ProMujer Bolivia - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ProMujer Bolivia Avenida Hernando Siles NÂ° 5411La Paz

Data approved: 2010-10-28

Data version: 1

Age of data: - months

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Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000

Data approved: 2013-07-25

Data version: 1

Age of data: 131 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.pro-mujer.org/
Year established	1990
Head of Institution	Gonzalo Alaiza
Regions active	0
# Branches	71

Total Portfolio (nat'l)	BOB 196,950,773.90
Total Portfolio (USD)	USD 28,751,937.80
Active clients with loans	88,642
Approximate % female clients	80% - 100%
Approximate % urban clients	80% - 100%
Network affiliations	FINRURAL
Funders

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.akdn.org/pakistan_microfinance.asp
Year established	2002
Head of Institution	Amir Masood Khan
Regions active	Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches	133

Total Portfolio (nat'l)	PKR 4,020,148,567
Total Portfolio (USD)	USD 41,021,924.15
Active clients with loans	166,267
Approximate % female clients	20% - 40%
Approximate % urban clients	40% - 60%
Network affiliations	Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
Funders	Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Loan Products » Summary

Rural 1

5,485 Borrowers

USD 1,775,947.74 Portfolio

Active Product

Rural 2

7,161 Borrowers

USD 2,318,524.05 Portfolio

Active Product

Rural 3

8,048 Borrowers

USD 2,605,561.25 Portfolio

Active Product

Urbano 1

1,409 Borrowers

USD 3,124,924.85 Portfolio

Active Product

Urbano 2

21,014 Borrowers

USD 6,803,734.45 Portfolio

Active Product

Urbano 2

4,192 Borrowers

USD 9,296,694.17 Portfolio

Active Product

Urbano 3

7,934 Borrowers

USD 2,568,688.91 Portfolio

Active Product

Urbano 3

6,567 Borrowers

USD 14,563,465.66 Portfolio

Active Product

Urbano 4

3,276 Borrowers

USD 1,060,564.34 Portfolio

Active Product

Urbano 5

4,394 Borrowers

USD 1,422,774.39 Portfolio

Active Product

Urbano 6

3,420 Borrowers

USD 1,107,445.84 Portfolio

Active Product

Urbano 7

927 Borrowers

USD 300,099.59 Portfolio

Active Product

Urbano 8

2,007 Borrowers

USD 649,676.33 Portfolio

Active Product

Hipoteca

11,953 Borrowers

USD 3,869,924.42 Portfolio

Active Product

Loan Products » Summary

Agriculture

63,528 Borrowers

USD 16,214,001.18 Portfolio

Active Product

Enterprise

54,724 Borrowers

USD 8,530,425.54 Portfolio

Active Product

Livestock S

33,590 Borrowers

USD 8,406,219.68 Portfolio

Active Product

Livestock M

103 Borrowers

USD 47,239.66 Portfolio

Active Product

General

494 Borrowers

USD 137,748.27 Portfolio

Active Product

Pension

10,197 Borrowers

USD 5,358,363.83 Portfolio

Active Product

Salary

2,939 Borrowers

USD 1,829,346.10 Portfolio

Active Product

Gold

458 Borrowers

USD 324,813.30 Portfolio

Active Product

Near Cash

233 Borrowers

USD 173,650.49 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Banca Comunal Rural Rango 1	BOB 500 - 2,000	4 - 6	80% - 100%	0% - 20%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health Training
Banca Comunal Rural Rango 2	BOB 2,001 - 16,000	4 - 10	80% - 100%	0% - 20%	Business, Consumer, Education, Other	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 1	BOB 160 - 2,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Pueden acceder hombres hasta un 10% del total del portafolio de clientes, El crédito servirá para iniciar un emprendimiento.	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Capacitación en componentes de prevención de salud
Banca Comunal Urbano Rango 1	USD 20 - 283	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Health Training
Banca Comunal Urbano Rango 2	BOB 2,001 - 4,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health training
Banca Comunal Urbano Rango 2 (USD)	USD 284 - 566	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health Training
Banca Comunal Urbano Rango 3	BOB 4,001 - 5,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health training
Banca Comunal Urbano Rango 3 (USD)	USD 567 - 2,030	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 4	BOB 5,001 - 6,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 5	BOB 6,001 - 8,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 6	BOB 8,001 - 11,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Up to 10% of GLP can be used for men., New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 7	BOB 11,001 - 13,600	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Up to 10% of GLP can be used for men., New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 8	BOB 13,001 - 14,030	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training
Individual Sin Hipoteca Rango	BOB 3,535 - 35,350	3 - 60	60% - 80%	80% - 100%	Any Purpose	Women, Men, Specific age group, 20% men according to current policy

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Finance	PKR 10,000 - 150,000	3 - 14	0% - 20%	0%	Agriculture	Women, Men, Has owned or contracted cultivation land and has experience of cultivation	Group Mtgs, Credit Ins
Enterprise Finance	PKR 15,000 - 150,000	3 - 18	0% - 20%	80% - 100%	Business	Women, Men, Have business, Start up can also avail loan facility	Group Mtgs, Credit Ins
Livestock Finance (Short Term)	PKR 10,000 - 150,000	3 - 12	20% - 40%	0% - 20%	Business, Small animal purchase, raring, fattening and productivity enhancement of large animals	Women, Men	Group Mtgs, Credit Ins
Livestock Finance (Medium Term)	PKR 30,000 - 80,000	6 - 36	40% - 60%	0% - 20%	Business, Purchase of milking cow/buffallo	Women, Men, Must have at least 2 existing milking animals	Group Mtgs, Credit Ins
General Purpose Finance	PKR 10,000 - 50,000	3 - 12	40% - 60%	0% - 20%	Housing, Education, Other	Women, Men	Group Mtgs, Credit Ins
Micro Pensioner Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Must be a pensioner	Credit Ins
Low Salary Employees Loan	PKR 20,000 - 150,000	6 - 36	0% - 20%	40% - 60%	Any Purpose	Women, Men, Salaried worker	Credit Ins
Individual Loan Against Gold	PKR 35,000 - 150,000	3 - 12	40% - 60%	100%	Any Purpose	Women, Men	Credit Ins
Individual Loan Against Cash/Near Cash	PKR 20,000 - 150,000	3 - 24	0% - 20%	40% - 60%	Any Purpose	Women, Men	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal Rural Rango 1	24.0% annual, Flat	2 Fees	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Rural Rango 2	24.0% annual, Flat	2 Fees	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	24.0% annual, Flat	1 Fee	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	18.0% annual, Flat	1 Fee	15.00% Principal	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2	24.0% annual, Flat	1 Fee	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2 (USD)	18.0% annual, Flat	1 Fee	15.00% Principal	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3 (USD)	18.0% annual, Flat	1 Fee	15.00% Principal	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 4	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 5	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 6	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 7	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 8	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Individual Sin Hipoteca Rango	23.0%-30.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal Rural Rango 1	24.0% annual, Flat	2 Fees	0 Ins Ins	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Rural Rango 2	24.0% annual, Flat	2 Fees	0 Ins Ins	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2	24.0% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2 (USD)	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3 (USD)	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 4	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 5	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 6	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 7	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 8	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Individual Sin Hipoteca Rango	23.0%-30.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	29.1% - 33.8%	29.1% - 33.9%	N/A
Enterprise Finance	38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30% - 38.2%	30% - 38.2%	N/A
Livestock Finance (Short Term)	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.8% - 40.2%	27.8% - 40.6%	N/A
Livestock Finance (Medium Term)	31.7%-40.9% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.1% - 44.6%	32.1% - 45.1%	N/A
General Purpose Finance	26.0%-38.4% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	27.6% - 37.6%	27.6% - 37.6%	N/A
Micro Pensioner Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	30.5% - 36.4%	30.5% - 36.9%	N/A
Low Salary Employees Loan	30.0%-32.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	32.2% - 33.6%	32.2% - 33.6%	N/A
Individual Loan Against Gold	24.0% annual, Decl Bal	2 Fees	0 Ins Ins	16.00% fees	N/A	25.1% - 26.1%	25.3% - 26.5%	N/A
Individual Loan Against Cash/Near Cash	4.0%-20.0% annual, Decl Bal	1 Fee	0 Ins Ins	16.00% fees	N/A	4.6% - 25.2%	4.7% - 26.1%	N/A

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


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By Inst Type


By Country

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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