- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	158
AJDFI	13,100	884,000	6	158
ARDCI	44,600	9,403,000	1	158
ASA Philippines	333,400	29,282,000	1	158
ASHI	35,400	5,231,000	6	158
ASKI	60,000	15,247,000	4	158
Bangko Kabayan	8,900	2,373,000	2	158
BSEI	600	73,000	2	158
CBI	8,100	2,010,000	5	158
CCT	70,300	9,504,000	4	158
CEV	35,400	5,111,000	4	158
DSPI	59,300	3,676,000	3	158
ECLOF	5,400	1,836,000	4	158
FCB	12,000	2,392,000	2	158
FMB	2,700	710,000	2	158
GM Bank	23,500	1,553,000	3	158
HSPFI	19,100	1,899,000	2	158
JVOFI	1,300	281,000	1	158
Katipunan Bank	42,100	5,325,000	2	158
KDCI	20,500	2,095,000	3	158
KGI	32,300	3,421,000	4	158
KMBI	245,000	15,098,000	1	158
LTMPC	37,400	8,935,000	3	158
Mallig Plains	6,500	641,000	2	158
MILAMDEC	29,800	3,278,000	2	158
MWIMPC	11,800	1,740,000	4	157
NWTF	105,500	12,698,000	5	158
OFMPC	4,400	964,000	1	158
PBC	50,700	10,434,000	4	158
PCSD	700	167,000	1	158
PMPC	23,500	5,565,000	8	158
RB Angeles	900	1,502,000	2	158
RB Labason	500	289,000	1	158
RBLI	5,200	1,026,000	2	158
RBMI	11,900	1,750,000	2	158
RMB	100	173,000	1	158
RSPI	39,600	2,834,000	4	158
SAFRAGEMC	1,100	229,000	1	158
Salve	10,900	1,191,000	3	158
SEDP	27,000	3,914,000	3	158
TSKI	212,900	25,187,000	2	158
TSPI	264,500	31,290,000	7	158
Valient	1,700	672,000	2	158

Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia

Data approved: 2013-08-19

Data version: 2

Age of data: 129 months

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Product

Bancos Comunales Product 1 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 2,775,360.49
Portfolio (USD)	USD 411,164.52
Active Clients with Loans	1,067
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual
Solidarity group
Village banking	x
Self help group
Other

Description

Esta metodología fue desarrollada específicamente para llegar a mujeres campesinas, organizadas en juntas de ahorro y crédito. Aunque excepcionalmente puede otorgarse el prestamo a hombres.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing	x
Consumer loan	x
Agriculture	x
Education	x
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	9
# Regions for this product	6
Regions Active	Beni , Chuquisaca , La Paz , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 500
Maximum loan size	8,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	100%
BOB 10,000-40,000	0
BOB 40,000-70,000	0
BOB 70,000-100,000	0
BOB 100,000-125,000	0
Greater than BOB 125,000	0

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	24.0 months
Approx average	dk

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	10%
Between 7 and 9 months	20%
Between 10 and 12 months	70%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	10%
Average grace period	DK

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	26.00%
Highest quoted nominal interest	38.00%
Reason(s) why interest rate varies	Time as Client, Loan Size, Client Risk, Collateral
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Seguro de desgravamen
% of loan amount - min	0.09%
% of loan amount - max	0.10%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	La comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

	Ins 1
Description	Seguro de desgravamen
% of loan amount - min	0.05%
% of loan amount - max	0.20%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Comisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Bancos Comunales samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	BOB 1,200	BOB 2,000	BOB 4,500	BOB 5,500	BOB 8,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2014-01-03	2014-01-03	2014-01-05	2014-01-05	2014-01-05
Loan Term (Months)	10.0 months	12.0 months	12.0 months	9.0 months	6.0 months
Grace Period (Months)	0.1 months	0.1 months	0.2 months	0.2 months	0.2 months
Total Cost of Credit	BOB 156.58	BOB 382.76	BOB 875.45	BOB 919.07	BOB 982.36
True Price by Comp
Interest price component	26.1%	32.0%	32.0%	36.0%	37.9%
Fee Component	0.0%	0.0%	0.0%	0.0%	0.0%
Insurance Component	1.0%	1.1%	1.1%	1.0%	1.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	27.1%	33.1%	33.1%	37.0%	38.9%
Transparency Index	96	79	79	70	67

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Bancos Comunales 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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Bancos Comunales samples

Bancos Comunales Price Graphs

Total Borrowers of Samples

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