| Number borrowers | 927 |
| Loan Amount (range) | BOB 11,001 - 13,600 |
| Loan Term (range) | 4 - 6 |
| Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
| Annual Interest & Method | 24.0% annual, Flat |
| Fees | 20.00% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | 20.0% upfront 20.00% ongoing |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 0 (Int+Fee) |
| Insurance Component | 0 |
| Tax Component Range | 0 - 0.7% |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index (min/max) | 0 - N/A |
| Transparency Index (average) | N/A |
| Outstanding portfolio (BOB) | BOB 2,055,682.21 |
| Portfolio (USD) | USD 300,099.59 |
| Active Clients with Loans | 927 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | |
| Education | x |
| Other household finance | x |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| Men | |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Up to 10% of GLP can be used for men. |
| Other (2) | New clients need not own business if they have business plan |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | BOB |
| Minimum loan size | BOB 11,001 |
| Maximum loan size | 13,600 |
| Shortest loan term | 4.0 months |
| Longest loan term | 6.0 months |
| Approx average | 6.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 24.00% |
| Highest quoted nominal interest | 24.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | N/A |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Comisio por desembolso |
| % of loan amount - min | 20.00% |
| % of loan amount - max | 20.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 20.00% - N/A |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 20.00% - N/A |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | When Leaving |
| Minimum interest rate paid | 0.50% |
| Maximum interest rate paid | 1.00% |
| Interest payment frequency | Annually |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 13,023.44 | BOB 13,524.34 | BOB 13,524.34 | ||
| Loan Cycle (1, 2, 3, etc) | 19 | 18 | 6 | ||
| Disbursement Date | 2010-04-01 | 2010-03-30 | 2010-03-24 | ||
| Loan Term (Months) | 5.6 months | 5.6 months | 4.7 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 35.9% | 40.8% | 36.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 24.7% | 31.8% | 24.9% | ||
| Full APR (int fee ins tax dep) | 60.6% | 72.6% | 60.9% | ||
| Transparency Index | 40 | 33 | 39 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Key Statistics | |
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| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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