| Outstanding portfolio (BOB) | BOB 129,695,499 |
| Portfolio (USD) | USD 18,933,649.49 |
| Active Clients with Loans | 31,441 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 40% - 60% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | |
| Other | Capital de Operación-Inversión |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | Capacitación en temas de salud, negocios y otros en procura de mejorar la calidad de vida |
| Other (2) | Microseguros sin costo para los clientes (costo es asumido por CRECER) |
| No other services |
| 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) |
| Currency | BOB |
| Minimum loan size | BOB 700 |
| Maximum loan size | 70,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 60.0 months |
| Approx average | dk |
| Grace period usage | 0 |
| Average grace period | 2.0 months |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments | x |
| Lowest quoted nominal interest | 18.00% |
| Highest quoted nominal interest | 24.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | N/A |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | BOB 2,500 | BOB 6,500 | BOB 13,000 | BOB 26,000 | BOB 53,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2011-08-14 | 2011-09-04 | 2011-09-20 | 2011-09-05 | 2011-09-03 | ||||
| Loan Term (Months) | 12.0 months | 18.0 months | 18.0 months | 24.0 months | 60.0 months | ||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| True Price by Comp | |||||||||
| Interest and Fee Component | 22.9% | 25.4% | 25.2% | 20.2% | 20.4% | ||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| 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) | 22.9% | 25.4% | 25.2% | 20.2% | 20.4% | ||||
| Transparency Index | 79 | 71 | 71 | 89 | 88 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 163 |
| AJDFI | 13,100 | 884,000 | 6 | 163 |
| ARDCI | 44,600 | 9,403,000 | 1 | 163 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 163 |
| ASHI | 35,400 | 5,231,000 | 6 | 163 |
| ASKI | 60,000 | 15,247,000 | 4 | 163 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 163 |
| BSEI | 600 | 73,000 | 2 | 163 |
| CBI | 8,100 | 2,010,000 | 5 | 163 |
| CCT | 70,300 | 9,504,000 | 4 | 163 |
| CEV | 35,400 | 5,111,000 | 4 | 163 |
| DSPI | 59,300 | 3,676,000 | 3 | 163 |
| ECLOF | 5,400 | 1,836,000 | 4 | 163 |
| FCB | 12,000 | 2,392,000 | 2 | 163 |
| FMB | 2,700 | 710,000 | 2 | 163 |
| GM Bank | 23,500 | 1,553,000 | 3 | 163 |
| HSPFI | 19,100 | 1,899,000 | 2 | 163 |
| JVOFI | 1,300 | 281,000 | 1 | 163 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 163 |
| KDCI | 20,500 | 2,095,000 | 3 | 163 |
| KGI | 32,300 | 3,421,000 | 4 | 163 |
| KMBI | 245,000 | 15,098,000 | 1 | 163 |
| LTMPC | 37,400 | 8,935,000 | 3 | 163 |
| Mallig Plains | 6,500 | 641,000 | 2 | 163 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 163 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 162 |
| NWTF | 105,500 | 12,698,000 | 5 | 163 |
| OFMPC | 4,400 | 964,000 | 1 | 163 |
| PBC | 50,700 | 10,434,000 | 4 | 163 |
| PCSD | 700 | 167,000 | 1 | 163 |
| PMPC | 23,500 | 5,565,000 | 8 | 163 |
| RB Angeles | 900 | 1,502,000 | 2 | 163 |
| RB Labason | 500 | 289,000 | 1 | 163 |
| RBLI | 5,200 | 1,026,000 | 2 | 163 |
| RBMI | 11,900 | 1,750,000 | 2 | 163 |
| RMB | 100 | 173,000 | 1 | 163 |
| RSPI | 39,600 | 2,834,000 | 4 | 163 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 163 |
| Salve | 10,900 | 1,191,000 | 3 | 163 |
| SEDP | 27,000 | 3,914,000 | 3 | 163 |
| TSKI | 212,900 | 25,187,000 | 2 | 163 |
| TSPI | 264,500 | 31,290,000 | 7 | 163 |
| Valient | 1,700 | 672,000 | 2 | 163 |
| 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 |
|---|---|---|---|---|---|---|---|
