Crédito con Educación Rural - Crédito Agropecuario - BOB - MFTransparency.org Truth In Lending Tables

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Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748

Data approved: 2013-08-15

Data version: 3

Age of data: 134 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 98,578,444
Portfolio (USD)	USD 14,604,213.93
Active Clients with Loans	4,627
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Para una actividad económica agropecuaria con planes de pago y periodos de gracia de acuerdo al flujo de caja del negocio del cliente. Dirigido a hombres y mujeres de escasos recursos.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance	x
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	9
Regions Active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 700
Maximum loan size	70,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	20%
BOB 10,000-40,000	60%
BOB 40,000-70,000	20%
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	4.6 months
Longest loan term	83.1 months
Approx average	34.2 months

Distribution at Disbursement (Est.)

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	10%
Longer than 18 months	90%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	18.00%
Highest quoted nominal interest	24.00%
Reason(s) why interest rate varies	Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
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

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

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

Crédito Agropecuario - BOB samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	BOB 9,000	BOB 8,000	BOB 9,000	BOB 9,000	BOB 28,000	BOB 60,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-12-05	2013-12-05	2013-12-15	2013-12-05	2014-01-15	2014-01-03
Loan Term (Months)	22.0 months	22.0 months	15.0 months	20.0 months	36.0 months	61.0 months
Grace Period (Months)	0.1 months	0.1 months	-0.3 months	0.1 months	0.0 months	0.0 months
Total Cost of Credit	BOB 1,686.25	BOB 1,577.76	BOB 1,422.55	BOB 1,863.59	BOB 9,339.55	BOB 32,119.50
True Price by Comp
Interest price component	19.4%	20.4%	24.6%	23.4%	18.4%	18.5%
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)	19.4%	20.4%	24.6%	23.4%	18.4%	18.5%
Transparency Index	93	88	73	77	98	97

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

Crédito Agropecuario - BOB Price Graphs

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	162
Ahantaman RB	23,800	9,896,000	4	144
APED	13,700	1,876,000	2	144
ASA Initiative	4,400	577,000	4	144
ASA-Ghana	71,600	18,385,000	2	144
ASPI	800	88,000	6	144
Atwima Kwanwoma	3,800	1,788,000	2	144
Baobab	5,100	967,000	2	144
BestFUND	13,000	4,172,000	3	144
Bonzali Rural	10,400	1,691,000	4	162
CashPhase	83	135,000	2	144
CASUD	1,100	524,000	1	144
CEDEF	500	54,000	4	144
CFF	100	13,000	1	144
CRAN	3,600	1,019,000	2	144
DQF	1,700	63,000	2	144
EASL	9,200	11,409,000	6	144
East Mamprusi	12,500	2,268,000	4	144
ELDA	0	0	0	144
EMPRETEC Ghana	200	56,000	2	144
FASL	13,500	14,047,000	8	144
Grameen Ghana	9,500	507,000	3	144
ID-Ghana	5,600	953,000	3	144
Innovative Finance	2,700	354,000	3	144
Kraban Support	7,700	781,000	5	162
KRB	4,000	6,350,000	3	144
Lower Pra RB	34,000	6,316,000	3	162
Maata-N-Tudu	12,000	941,000	4	144
Mail Finance	300	288,000	1	144
Markaz	0	0	0	144
Markaz Al Bishara	100	17,000	1	144
MicrofinPlus Gh	1,100	251,000	2	144
Nwabiagya RB	4,000	2,265,000	3	144
OISL	62,000	27,232,000	9	144
Pro Credit	0	0	0	144
Rich Step	100	101,000	1	144
SAT	147,600	29,359,000	4	144
Sekam Trust	600	137,000	2	144
Simli Pong	8,900	463,000	3	162
SS Ghana	200	35,000	1	144
TCCU	100	32,000	3	144
The Bridge	400	32,000	3	162
Union RB	3,800	2,361,000	4	144

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

Crédito Agropecuario - BOB samples

Crédito Agropecuario - BOB Price Graphs

Total Borrowers of Samples

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