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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: 69 months

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 Loans1,067
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
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 generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution9
# Regions for this product6
Regions ActiveBeni , Chuquisaca , La Paz , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa 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
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Bancos Comunales samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 1,200BOB 2,000BOB 4,500BOB 5,500BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-032014-01-032014-01-052014-01-052014-01-05
Loan Term (Months)10.0 months12.0 months12.0 months9.0 months6.0 months
Grace Period (Months)0.1 months0.1 months0.2 months0.2 months0.2 months
Total Cost of CreditBOB 156.58BOB 382.76BOB 875.45BOB 919.07BOB 982.36
True Price by Comp         
Interest price component26.1%32.0%32.0%36.0%37.9%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.1%1.1%1.0%1.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%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 Index9679797067
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Bancos Comunales Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,000596
ADCSI176,10030,846,000297
BG47,0004,048,000496
DECSI361,00096,304,000796
Dire4,900828,000496
DMCPSC1,20069,000196
Eshet18,8002,392,000396
Harbu22,4001,757,000296
Meklit12,2001,395,000496
Metemamen10,500650,000696
OCSSCO502,70069,565,000396
OMO323,60031,385,000496
PEACE17,2002,462,000396
SFPI33,6002,750,000396
Sidama53,4001,162,000696
Wasasa49,3005,798,000496
Wisdom MFI45,3005,500,000693
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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