Bosnia and Herzegovina Overview

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(Institution data is also available in chart form below.)
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Institution Submitted Data Year Established # Branches # Clients # Products
ADRIA Yes 2008 1 381 4
EKI Yes 1996 70 60,000 5
First Islamic Yes 2001 1 8,443 5
LIDER Yes 2002 11 6,039 5
LOK Yes 1997 88 45,000 10
MI-BOSPO Yes 1996 27 30,194 10
MIKRA Yes 2001 3 11,998 6
MIKRO ALDI Yes 1996 7 3,030 4
MIKROFIN Yes 1997 18 56,000 4
PARTNER Yes 2001 27 66,032 10
Prizma Yes 1997 7 61,300 8
SINERGIJA Yes 1997 17 10,200 5
Sunrise Yes 1997 65 29,359 3
ZZZ Yes 1997 2 10,512 4

Bosnia and Herzegovina Sponsors

MFTransparency's methodology was pilot tested in Bosnia with the support of CGAP.


Launch Sponsors

The following organizations sponsored the data launch:

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Loans in Bosnia and Herzegovina are offered in 1 currency

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Discussion Questions

  1. What theories do you have for the flatter curve in BiH?
  2. What impact do you think transparent, comparable pricing data will have on the range of product prices in the future?
  3. Other than APRs, what other ways do you think pricing can be made less confusing for clients when comparing products?
  4. What do you find when you compare the product prices in any one institution in the data? Are product prices similar, or do MFIs price their products very differently?
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Latest Discussion Excerpts

  • Larry_at_mft: Good question, Kevin. It is interesting that all the green dots (For-Profit MFIs) are below the average price curve. It turns out that these are all from the same institution, Mikrofin, as it is the only for-profit MFI member of AMFI (the Association of Microfinance Instiutions in Bosnia and Herzegovina). So it is hard to draw a lot of conclusions out of one organization. It is interesting to note that Mikrofin makes a significant proportion of its loans in rural areas (ranging from 45% to 70% depending on the product) so the answer to their lower prices is not because they only work in urban areas. This will be something to watch for in other countries as we post their data. In Cambodia all the MFIs are for-profits because of local registration requirements, so no comparison there. But watch as we post data from other countries to see where the ... ..
  • kevinfryatt: What I find interesting is that loan prices of 'For-Profit' MFI are actually all located under the average price curve. What would explain this? Does this have something to do with the local environment in which they operate (ie. intense competition amongst the for-profit institutions, government pricing regulations, etc.)? What do you think the reaction of these for-profit MFIs will be knowing that they are currently pricing below the 'market average'? ..
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