| Number borrowers | 63 |
| Loan Amount (range) | USD 200 - 10,000 |
| Loan Term (range) | 12 - 60 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 16.0%-25.0% annual, Decl Bal |
| Fees | None |
| Insurance | 0.60%-3.00% ongoing |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 16.1% - 26.7% |
| Fee Component | 0 - 1.0% |
| Insurance Component | 0 - 1.1% |
| Tax Component Range | 0 - 0.2% |
| Full APR (int fee ins tax dep) | 25.3% |
| Transparency Index (min/max) | 59 - 97 |
| Transparency Index (average) | 63 |
| 880 |
| BOB 35,000 - 3,500,000 |
| 3 - 120 |
| Credit Ins |
| 6.0%-23.0% annual, Decl Bal |
| None |
| 0.25%-9.96% ongoing Y |
| None |
| N/A |
| 9.9% - 28.9% |
| 0 |
| 0.9% - 1.9% |
| 0 |
| 11.0% - 24.8% |
| 24 - 67 |
| 37 |
| Outstanding portfolio (USD) | USD 3,169,914 |
| Portfolio (USD) | USD 3,169,914 |
| Active Clients with Loans | 63 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 7 |
| # Regions for this product | 7 |
| Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija |
| Outstanding portfolio (BOB) | BOB 113,951,172 |
| Portfolio (USD) | USD 16,881,655.11 |
| Active Clients with Loans | 880 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Compra de Vivienda |
| Other (2) | Construcción |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | 9 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
| Currency | USD |
| Minimum loan size | USD 200 |
| Maximum loan size | 10,000 |
| Loans less than USD 1,500 | 40% |
| USD 1,500-5,000 | 30% |
| USD 5,000-10,000 | 30% |
| USD 10,000-15,000 | 0 |
| USD 15,000-18,000 | 0 |
| Greater than USD 18,000 | 0 |
| Shortest loan term | 12.0 months |
| Longest loan term | 60.0 months |
| Approx average | 36.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 20% |
| Between 13 and 18 months | 30% |
| Longer than 18 months | 50% |
| Grace period usage | 10% |
| Average grace period | 1.0 month |
| Daily | |
| Weekly | |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | x |
| Single end payment | x |
| Irregular payments | x |
| Currency | BOB |
| Minimum loan size | BOB 35,000 |
| Maximum loan size | 3,500,000 |
| Loans less than BOB 10,000 | 0 |
| BOB 10,000-40,000 | 10% |
| BOB 40,000-70,000 | 15% |
| BOB 70,000-100,000 | 15% |
| BOB 100,000-125,000 | 10% |
| Greater than BOB 125,000 | 10% |
| Shortest loan term | 3.0 months |
| Longest loan term | 120.0 months |
| Approx average | 97.0 months |
| 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 | 0 |
| Longer than 18 months | 100% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | x |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | |
| Single end payment | |
| Irregular payments | x |
| Lowest quoted nominal interest | 16.00% |
| Highest quoted nominal interest | 25.00% |
| Reason(s) why interest rate varies | Branch, 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 | No |
| Ins 1 | |
|---|---|
| Description | Seguro de Desgravamen |
| % of loan amount - min | 0.60% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | El costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo. |
| Appears on Repayment Sched? | 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 |
| Lowest quoted nominal interest | 6.00% |
| Highest quoted nominal interest | 23.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | Ins 2 | ||
|---|---|---|---|
| Description | Seguro de Desgravamen | Seguro de todo Riesgo | |
| % of loan amount - min | 0.25% | 0 | |
| % of loan amount - max | 9.96% | 0.80% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | Fee is 0.083%, charged each month on the outstanding loan principal only. | Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient. | |
| Appears on Repayment Sched? | Yes | 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 | |
|---|---|
| Loan Amount | USD 2,000 |
| Loan Cycle (1, 2, 3, etc) | Not Known |
| Disbursement Date | 2013-04-15 |
| Loan Term (Months) | 24.0 months |
| Grace Period (Months) | 0 |
| Total Cost of Credit | USD 527.54 |
| True Price by Comp | |
| Interest price component | 24.7% |
| Fee Component | 0 |
| Insurance Component | 0.6% |
| Tax Component | 0 |
| Deposit Component | 0 |
| Full APR (int fee ins tax dep) | 25.3% |
| Transparency Index | 63 |
| Original Repayment Schedule | |
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 57,000 | BOB 80,000 | BOB 100,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-12-12 | 2014-04-01 | 2014-04-01 | ||
| Loan Term (Months) | 97.0 months | 61.0 months | 73.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | BOB 51,807.68 | BOB 22,522.01 | BOB 76,274.05 | ||
| True Price by Comp | |||||
| Interest price component | 17.2% | 9.9% | 23.7% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 1.1% | 1.1% | 1.1% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 18.3% | 11.0% | 24.8% | ||
| Transparency Index | 33 | 54 | 24 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
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