| 7,090 |
| BOB 1,500 - 105,000 |
| 6 - 60 |
| 14.0%-28.0% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| 18.1% - 35.1% |
| 0 |
| 0 - 5.3% |
| 0 |
| 18.1% - 25.2% |
| 56 - 89 |
| 66 |
| Outstanding portfolio (GHS) | GHS 37,000 |
| Portfolio (USD) | USD 18,781.73 |
| Active Clients with Loans | 4 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Either run business OR be salaried |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (BOB) | BOB 66,804,572.62 |
| Portfolio (USD) | USD 9,896,973.72 |
| Active Clients with Loans | 7,090 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | 8 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , PotosÃ, Santa Cruz, Tarija |
| Currency | BOB |
| Minimum loan size | BOB 1,500 |
| Maximum loan size | 105,000 |
| Loans less than BOB 10,000 | 50% |
| BOB 10,000-40,000 | 50% |
| BOB 40,000-70,000 | 0 |
| BOB 70,000-100,000 | 0 |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 6.0 months |
| Longest loan term | 60.0 months |
| Approx average | 24.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 30% |
| Between 10 and 12 months | 40% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 14.00% |
| Highest quoted nominal interest | 28.00% |
| Reason(s) why interest rate varies | Loan Size, Collateral |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | BOB 1,000 | BOB 5,000 | BOB 9,000 | BOB 15,000 | BOB 25,000 | BOB 35,000 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| Disbursement Date | 2013-12-06 | 2013-12-06 | 2013-12-06 | 2013-12-06 | 2013-12-06 | 2013-12-06 | |||||
| Loan Term (Months) | 8.0 months | 12.0 months | 18.0 months | 12.0 months | 36.0 months | 60.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | BOB 69 | BOB 705 | BOB 1,335 | BOB 2,106 | BOB 7,545 | BOB 25,419 | |||||
| True Price by Comp | |||||||||||
| Interest price component | 18.2% | 25.2% | 18.1% | 25.1% | 18.1% | 24.1% | |||||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Full APR (int fee ins tax dep) | 18.2% | 25.2% | 18.1% | 25.1% | 18.1% | 24.1% | |||||
| Transparency Index | 77 | 56 | 77 | 56 | 77 | 58 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
