Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 164 months

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 164 months

Product

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Product

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Product Summary

Number borrowers3,341
Loan Amount (range)BOB 7,000 - 63,000
Loan Term (range)36 - 60
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method16.0%-18.0% annual, Decl Bal
Fees6.00% ongoing
InsuranceNone
Tax24.00 fixed
Comp Dep50.00 upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component16.9% - 19.0% (Int+Fee)
Insurance Component0 - 0.8%
Tax Component Range0.3% - 6.6%
Full APR (int fee ins tax dep)17.7% - 25.9%
Transparency Index (min/max)58 - 92
Transparency Index (average)74

Product Summary

356
BOB 7,000 - 35,000
36 - 60
Credit Educ, Credit Ins, Tech Asst Visits
18.0%-20.0% annual, Decl Bal
6.00% ongoing
None
24.00 fixed
50.00 upfront
 
N/A
20.7% - 21.0% (Int+Fee)
0 - 0.8%
0.3% - 6.6%
23.9% - 27.8%
58 - 92
71

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 94,767,279
Portfolio (USD)USD 14,039,596.89
Active Clients with Loans3,341
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito de libre disponibilidad.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 9,889,712
Portfolio (USD)USD 1,465,142.52
Active Clients with Loans356
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
CON GARANTIA CRUZADA PARA FUNCIONARIOS DE EMPRESAS PRIVADAS
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 7,000
Maximum loan size63,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term60.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 7,000
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term60.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest16.00%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedBOB 50
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Impuesto de 24 Bs. va a ser eliminado.

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest20.00%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedBOB 50
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Impuesto en vias de desaparicion.

Full Pricing Data

DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 7,000BOB 14,000BOB 21,000BOB 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-212010-08-122010-09-20
Loan Term (Months)36.0 months36.0 months36.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component19.0%19.0%19.0%16.9%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component6.6%3.4%2.1%0.7%
Deposit Component0.3%0.1%0.1%0.0%
Full APR (int fee ins tax dep)25.9%22.5%21.2%17.7%
Transparency Index62717690
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Garantía Cruzada (Bs.) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 7,000BOB 15,000BOB 17,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-202010-08-12
Loan Term (Months)36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component21.0%20.7%20.8%
Insurance Component0.0%0.0%0.8%
Tax Component6.5%3.1%2.7%
Deposit Component0.3%0.1%0.1%
Full APR (int fee ins tax dep)27.8%23.9%24.3%
Transparency Index657574
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL Price Graphs


Garantía Cruzada (Bs.) Price Graphs


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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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