2. ASHI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Fortaleza
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

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Banco Fortaleza Sociedad Anónima Av. Arce No, 2799 esq. CorderoLa Paz, Bolivia
Data approved: 2013-09-23
Data version: 2
Age of data: 130 months
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Product

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Product

Crédito Hipotecario de Vivienda Product 9 of 13 « Prev | Next »

Product Summary

Number borrowers3,590
Loan Amount (range)PHP 3,000 - 20,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method25.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component47.3% - 48.4% (Int+Fee)
Insurance Component0 - 33.7%
Tax Component Range0
Full APR (int fee ins tax dep)47.3% - 48.4%
Transparency Index (min/max)0 - 75
Transparency Index (average)52

Product Summary

530
BOB 70,000 - 14,000,000
24 - 305
Credit Ins
11.0%-18.5% annual, Decl Bal
None
1.91%-14.80% ongoing
None
N/A
 
12.1% - 27.6%
0
0.2% - 2.1%
0
16.4% - 19.5%
8 - 1062
43

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 15,432,103
Portfolio (USD)USD 369,189.07
Active Clients with Loans3,590
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan can be used to pay for tuition fee or any related school fees (including purchase of supplies or uniform) of the member or immediate family member.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 75,865,351
Portfolio (USD)USD 11,239,311.26
Active Clients with Loans530
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Prestamo destinado a la adquisición, construcción, refacción, remodelación, ampliación y mejoramiento de vivienda individuales o propiedad horizontal
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherVivienda
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 70,000
Maximum loan size14,000,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,00015%
BOB 100,000-125,00020%
Greater than BOB 125,00020%
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term305.0 months
Approx average107.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Member's general loan must be current and there must be 4 groups in the center

Pricing Information

Interest
Lowest quoted nominal interest0.92%
Highest quoted nominal interest1.54%
Reason(s) why interest rate variesCollateral
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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
DescriptionSeguro de desgravamen
% of loan amount - min1.91%
% of loan amount - max14.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es 0.07% mensual que aplica al saldo del principal del préstamo pendiente.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Educational Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 5,000PHP 10,000PHP 15,000
Loan Cycle (1, 2, 3, etc)123
Disbursement Date2011-01-312011-01-312011-02-21
Loan Term (Months)11.7 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component47.3%48.4%48.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)47.3%48.4%48.4%
Transparency Index535252
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Crédito Hipotecario de Vivienda samples
Sample 1Sample 2Sample 3
Loan AmountBOB 50,000BOB 100,000BOB 140,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-09-182013-09-182014-04-07
Loan Term (Months)48.0 months60.0 months21.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 22,087.80BOB 51,542.26BOB 17,946.83
True Price by Comp     
Interest price component18.6%17.1%15.3%
Fee Component0.0%0.0%0.0%
Insurance Component0.9%0.9%1.1%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)19.5%18.0%16.4%
Transparency Index313367
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Educational Loan 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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