Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1987 |
Head of Institution | Alma M. Estolas |
Regions active | |
# Branches | 21 |
Total Portfolio (nat'l) | PhP 119,300,028.50 |
Total Portfolio (USD) | USD 2,854,067.67 |
Active clients with loans | 39,663 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | APPEND, MFC- Northern Luzon and CAR, Oikocredit |
Funders | Oikocredit, PCFC, Small Business Corporation, NLDC |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.bancofie.com.bo/ |
Year established | 1985 |
Head of Institution | Andrés Urquidi |
Regions active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , PotosÃ, Santa Cruz, Tarija |
# Branches | 144 |
Total Portfolio (nat'l) | BOB 3,842,958,060 |
Total Portfolio (USD) | USD 569,327,120 |
Active clients with loans | 231,888 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | GAVB, ASOFIN |
Funders | CONFIE, DWM Funds S.C.A.-SICAV SIF, CPP Incofin C.V.S.O., Oikocredit |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | PHP 5,000 - 50,000 | 4 | 40% - 60% | 0% - 20% | Business, Agriculture, Purchase of farm inputs | Women, Men, Engaged in farming activities | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
General Business Loan | PHP 1,000 - 30,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
Livestock Loan | PHP 5,000 - 15,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Livestock-related expenses | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
Salary Loan | PHP 10,000 - 40,000 | 3 - 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, Barangay Officials | Credit Educ, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | BOB 15,000 - 9,115,000 | 18 - 144 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ | |||||||
Créditos Garantia Hipotecaria (USD) | USD 3,000 - 692,000 | 24 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ | |||||||
Créditos Garantia VehÃculo (BOB) | BOB 200 - 1,175,804 | 1 - 120 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Garantia VehÃculo (USD) | USD 500 - 137,600 | 6 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Otros Garantia (BOB) | BOB 200 - 742,252 | 1 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Otros Garantia (USD) | USD 310 - 80,000 | 1 - 120 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | 9.0%-15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 12.5% - 14.1% | 12.5% - 14.1% | 63 | ||||||||
Créditos Garantia Hipotecaria (USD) | 10.0%-16.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 13.1% - 14.1% | 13.1% - 14.1% | 65 | ||||||||
Créditos Garantia VehÃculo (BOB) | 12.0%-17.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 13.8% - 16.6% | 13.8% - 16.6% | 53 | ||||||||
Créditos Garantia VehÃculo (USD) | 14.0%-19.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 15.3% - 17% | 15.3% - 17% | 55 | ||||||||
Créditos Otros Garantia (BOB) | 15.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18.1% - 26.1% | 18.1% - 26.1% | 63 | ||||||||
Créditos Otros Garantia (USD) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 22.1% - 26.6% | 22.1% - 26.6% | 39 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | 9.0%-15.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 12.5% - 14.1% | 12.5% - 14.1% | 63 | ||||||||
Créditos Garantia Hipotecaria (USD) | 10.0%-16.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 13.1% - 14.1% | 13.1% - 14.1% | 65 | ||||||||
Créditos Garantia VehÃculo (BOB) | 12.0%-17.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 13.8% - 16.6% | 13.8% - 16.6% | 53 | ||||||||
Créditos Garantia VehÃculo (USD) | 14.0%-19.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 15.3% - 17% | 15.3% - 17% | 55 | ||||||||
Créditos Otros Garantia (BOB) | 15.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 18.1% - 26.1% | 18.1% - 26.1% | 63 | ||||||||
Créditos Otros Garantia (USD) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 22.1% - 26.6% | 22.1% - 26.6% | 39 |
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 ∞ |