2. ASPI
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ProMujer BOL
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 139 months
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Institution

ProMujer Bolivia Avenida Hernando Siles No 5411La Paz
Data approved: 2013-10-30
Data version: 2
Age of data: 130 months
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Product

SME Loan Product 4 of 8 « Prev | Next »

Product

Banca Comunal Rural Product 16 of 16 « Prev | Next »

Product Summary

Number borrowers170
Loan Amount (range)GHS 1,500 - 5,000
Loan Term (range)4 - 8
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training
Annual Interest & Method48.00% annual, Flat
Fees4.00% upfront
InsuranceNone
TaxNone
Comp Dep15.00%-20.00% upfront
Range of pricing 
Interest Price Component77.3% - 114.4%
Fee Component11.4% - 48.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)157.9% - 182.6%
Transparency Index (min/max)23 - 35
Transparency Index (average)28

Product Summary

15,978
BOB 300 - 18,000
4 - 12
Group Mtgs, Credit Ins, Business Training
35.0% annual, Decl Bal
None
2.50 ongoing
None
10.00% ongoing
 
18.1% - 35.1%
0
0 - 5.3%
0
39.3% - 58.9%
56 - 89
68

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 7,350
Portfolio (USD)USD 3,730.96
Active Clients with Loans170
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for small and medium sized enterprises for business expansion. Loan ranges from GHS 1000-5000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be a graduate from a small group loan
Other (2)Must provide guarantor
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Volta Region

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 23,728,217.11
Portfolio (USD)USD 3,515,291.42
Active Clients with Loans15,978
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Credito a banca comunal con un minimo de 8 personas. Forma parte del programa de desarrollo rural enfocado en zonas rurales.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherLos clientes nuevos no necesitan tener un negocio (suficiente con un plan de negocio)
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product8
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,500
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,000100%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months60%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size18,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00090%
BOB 10,000-40,00010%
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months50%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest35.00%
Highest quoted nominal interest35.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPaquete de Seguro Desgravamen y Vida
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2.50
Fixed amount - max2.50
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaFirst cycle loans: 0% upfront deposit requirement. Multiple cycle loans - 20% upfront deposit requirement
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0.06%
Maximum interest rate paid0.80%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

SME Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 1,500GHS 1,500GHS 2,800GHS 2,900
Loan Cycle (1, 2, 3, etc)Not Known233
Disbursement Date2013-04-182012-12-262012-12-262012-12-26
Loan Term (Months)4.4 months3.5 months4.7 months5.6 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditGHS 436.20GHS 300GHS 683.14GHS 823.71
True Price by Comp       
Interest price component114.4%92.7%90.2%90.3%
Fee Component21.6%26.2%20.5%17.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component46.6%55.7%52.0%50.0%
Full APR (int fee ins tax dep)182.6%174.6%162.7%157.9%
Transparency Index26272930
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Banca Comunal Rural samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 1,000BOB 3,000BOB 5,000BOB 7,000BOB 9,000BOB 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-062013-12-062013-12-062013-12-062013-12-062013-12-06
Loan Term (Months)7.0 months5.6 months7.0 months11.0 months5.6 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 146BOB 307.32BOB 651.68BOB 1,328.64BOB 891.96BOB 2,999.96
True Price by Comp           
Interest price component35.0%35.1%35.0%35.0%35.0%35.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component5.3%1.7%1.1%0.8%0.6%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.8%2.5%22.8%22.5%21.9%22.2%
Full APR (int fee ins tax dep)43.1%39.3%58.9%58.3%57.5%57.6%
Transparency Index818959606161
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
SME Loan Price Graphs


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Banca Comunal Rural Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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