| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 168 |
| AMZ | 4,900 | 651,000 | 2 | 168 |
| CETZAM | 6,700 | 2,210,000 | 4 | 168 |
| Eclof Zambia | 200 | 111,000 | 4 | 168 |
| Empowerment | 1,500 | 447,000 | 5 | 168 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 125 |
| Harmos | 9,800 | 1,398,000 | 3 | 168 |
| Kungoma | 43 | 18,000 | 2 | 168 |
| MBT | 13,900 | 1,563,000 | 5 | 168 |
| Meanwood | 2,000 | 1,766,000 | 5 | 168 |
| PFSL | 1,300 | 3,506,000 | 3 | 168 |
| Zambia CRC | 30 | 1,000 | 1 | 168 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.fubode.org/ |
| Year established | 1997 |
| Head of Institution | Luis Fernando Torrez Ontivero |
| Regions active | 0 |
| # Branches | 14 |
| Total Portfolio (nat'l) | BOB 55,864,393 |
| Total Portfolio (USD) | USD 8,276,206.37 |
| Active clients with loans | 15,461 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | VisionFund Internacional, FINRURAL |
| Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Asociativo | USD 2,000 - 18,000 | 4 - 48 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
| Grupo Comunal (Banco Comunal) | BOB 500 - 14,500 | 4 - 8 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Other Training | |||||||
| Microcrédito de Vivienda | USD 1,000 - 10,000 | 6 - 72 | 40% - 60% | 40% - 60% | Housing, Education, No se puede usar para negocio | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
| Microcrédito Grupo Solidario | USD 150 - 1,500 | 4 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits | |||||||
| Microcrédito Productivo Individual (USD) | USD 200 - 10,000 | 4 - 48 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Asociativo | 15.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 15.5% - 24.4% | 15.6% - 24.8% | 76 | ||||||||
| Grupo Comunal (Banco Comunal) | 30.0%-33.6% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront 14.00% ongoing | 56% - 68.7% | 56.4% - 96.3% | 41 | ||||||||
| Microcrédito de Vivienda | 16.0%-24.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 16.2% - 28.4% | 16.7% - 28.9% | 64 | ||||||||
| Microcrédito Grupo Solidario | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 21.1% - 34% | 21.3% - 34% | 63 | ||||||||
| Microcrédito Productivo Individual (USD) | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 31.6% - 32.6% | 31.7% - 33% | 55 |
| Key Statistics | |
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| # 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 |
|---|---|---|---|---|---|---|---|
