| Number borrowers | 120 |
| Loan Amount (range) | GHS 300 - 500 |
| Loan Term (range) | 6 - 12 |
| Other Services (text summary) | Group Mtgs, Credit Ins, Other Training |
| Annual Interest & Method | 20.00% annual, Flat |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 29.8% - 30.1% (Int+Fee) |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 29.8% - 30.1% |
| Transparency Index (min/max) | 39 - 67 |
| Transparency Index (average) | 66 |
| 95 |
| BOB 15,000 - 140,000 |
| 25 - 62 |
| Credit Ins |
| 20.0% annual, Decl Bal |
| None |
| 2.48% ongoing |
| None |
| N/A |
| 12.1% - 27.6% |
| 0 |
| 0.2% - 2.1% |
| 0 |
| 21.0% |
| 8 - 1062 |
| 96 |
| Outstanding portfolio (GHS) | GHS 72,460 |
| Portfolio (USD) | USD 36,781.73 |
| Active Clients with Loans | 120 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Farming |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Must be in a group |
| Other (2) | must have a farm |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (BOB) | BOB 3,370,897 |
| Portfolio (USD) | USD 499,392.15 |
| Active Clients with Loans | 95 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 60% - 80% |
| 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 | Activo Fijo |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | 6 |
| Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija |
| Currency | GHS |
| Minimum loan size | GHS 300 |
| Maximum loan size | GHS 500 |
| Shortest loan term | 6.0 months |
| Longest loan term | 12.0 months |
| Approx average | 9.0 months |
| Grace period usage | 100% |
| Average grace period | 4.0 months |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Currency | BOB |
| Minimum loan size | BOB 15,000 |
| Maximum loan size | 140,000 |
| Loans less than BOB 10,000 | 0 |
| BOB 10,000-40,000 | 40% |
| BOB 40,000-70,000 | 50% |
| BOB 70,000-100,000 | 5% |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 25.0 months |
| Longest loan term | 62.0 months |
| Approx average | 55.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 100% |
| 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 | 20.00% |
| Highest quoted nominal interest | 20.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| 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 |
| Lowest quoted nominal interest | 1.67% |
| Highest quoted nominal interest | 1.67% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | No |
| Ins 1 | |
|---|---|
| Description | Seguro de desgravamen |
| % of loan amount - min | 2.48% |
| % of loan amount - max | 2.48% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | La comisión es 0.07% mensual que aplica al saldo del principal del préstamo pendiente. |
| Appears on Repayment Sched? | 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 | |||
|---|---|---|---|---|---|
| Loan Amount | GHS 350 | GHS 350 | GHS 350 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2011-02-22 | 2011-02-22 | 2011-02-22 | ||
| Loan Term (Months) | 10.0 months | 10.0 months | 10.0 months | ||
| Grace Period (Months) | 4.0 months | 4.0 months | 4.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 29.8% | 30.1% | 29.8% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 29.8% | 30.1% | 29.8% | ||
| Transparency Index | 67 | 66 | 67 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 15,000 | BOB 35,000 | BOB 100,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-09-18 | 2013-09-18 | 2013-09-18 | ||
| Loan Term (Months) | 60.0 months | 60.0 months | 60.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | BOB 9,215.80 | BOB 21,503.71 | BOB 61,439.71 | ||
| True Price by Comp | |||||
| Interest price component | 20.1% | 20.1% | 20.1% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.9% | 0.9% | 0.9% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 21.0% | 21.0% | 21.0% | ||
| Transparency Index | 96 | 96 | 96 | ||
| 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 |
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