Crédito con Educación Rural - MFTransparency.org Truth In Lending Tables

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Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748

Data approved: 2013-08-15

Data version: 3

Age of data: 123 months

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Institution

ProMujer Bolivia Avenida Hernando Siles NÂ° 5411La Paz

Data approved: 2010-10-28

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.crecer.org.bo/
Year established	1999
Head of Institution	José Auad Lema
Regions active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches	9

Total Portfolio (nat'l)	BOB 910,004,033.70
Total Portfolio (USD)	USD 134,815,412.40
Active clients with loans	167,043
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	FINRURAL, FOROLAC, PROCOSI
Funders

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.pro-mujer.org/
Year established	1990
Head of Institution	Gonzalo Alaiza
Regions active	0
# Branches	71

Total Portfolio (nat'l)	BOB 196,950,773.90
Total Portfolio (USD)	USD 28,751,937.80
Active clients with loans	88,642
Approximate % female clients	80% - 100%
Approximate % urban clients	80% - 100%
Network affiliations	FINRURAL
Funders

Loan Products » Summary

Comunal

112,789 Borrowers

USD 50,605,697.63 Portfolio

Active Product

Indiv USD

2,615 Borrowers

USD 7,958,924 Portfolio

Active Product

Indiv BOB

18,879 Borrowers

USD 47,475,532.15 Portfolio

Active Product

Agro BOB

4,627 Borrowers

USD 14,604,213.93 Portfolio

Active Product

Agro USD

756 Borrowers

USD 3,540,515 Portfolio

Active Product

Consumo BOB

809 Borrowers

USD 936,721.93 Portfolio

Active Product

Vivienda BOB

419 Borrowers

USD 1,352,590.37 Portfolio

Active Product

Oportuno BOB

25,920 Borrowers

USD 7,906,821.93 Portfolio

Active Product

Personal BOB

57 Borrowers

USD 96,389.78 Portfolio

Active Product

Consumo USD

29 Borrowers

USD 54,848 Portfolio

Low Volume Product

Vivienda USD

4 Borrowers

USD 15,215 Portfolio

Low Volume Product

Salud BOB

36 Borrowers

USD 19,252.15 Portfolio

Low Volume Product

Personal USD

27 Borrowers

USD 59,331 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Rural 1

5,485 Borrowers

USD 1,775,947.74 Portfolio

Active Product

Rural 2

7,161 Borrowers

USD 2,318,524.05 Portfolio

Active Product

Rural 3

8,048 Borrowers

USD 2,605,561.25 Portfolio

Active Product

Urbano 1

1,409 Borrowers

USD 3,124,924.85 Portfolio

Active Product

Urbano 2

21,014 Borrowers

USD 6,803,734.45 Portfolio

Active Product

Urbano 2

4,192 Borrowers

USD 9,296,694.17 Portfolio

Active Product

Urbano 3

7,934 Borrowers

USD 2,568,688.91 Portfolio

Active Product

Urbano 3

6,567 Borrowers

USD 14,563,465.66 Portfolio

Active Product

Urbano 4

3,276 Borrowers

USD 1,060,564.34 Portfolio

Active Product

Urbano 5

4,394 Borrowers

USD 1,422,774.39 Portfolio

Active Product

Urbano 6

3,420 Borrowers

USD 1,107,445.84 Portfolio

Active Product

Urbano 7

927 Borrowers

USD 300,099.59 Portfolio

Active Product

Urbano 8

2,007 Borrowers

USD 649,676.33 Portfolio

Active Product

Hipoteca

11,953 Borrowers

USD 3,869,924.42 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Banca Comunal	BOB 100 - 15,000	5.3 - 11.3	80% - 100%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas
Credito Individual - USD	USD 100 - 10,000	13 - 80.53	60% - 80%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training
Credito Individual - BOB	BOB 700 - 70,000	3.03 - 87.8	80% - 100%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Crédito Agropecuario - BOB	BOB 700 - 70,000	4.6 - 83.13	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito Agropecuario - USD	USD 100 - 10,000	10.7 - 71.3	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito para Consumo - BOB	BOB 700 - 70,000	3.4 - 61.2	0% - 20%	40% - 60%	Consumer, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito para Vivienda - BOB	BOB 700 - 70,000	5 - 49.7	40% - 60%	40% - 60%	Housing, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito Oportuno	BOB 500 - 3,000	0.7 - 16.9	80% - 100%	40% - 60%	Any Purpose	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Crédito al Personal - BOB	BOB 700 - 35,000	18.6 - 37.2	40% - 60%	40% - 60%	Other	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Banca Comunal Rural Rango 1	BOB 500 - 2,000	4 - 6	80% - 100%	0% - 20%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health Training
Banca Comunal Rural Rango 2	BOB 2,001 - 16,000	4 - 10	80% - 100%	0% - 20%	Business, Consumer, Education, Other	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 1	BOB 160 - 2,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Pueden acceder hombres hasta un 10% del total del portafolio de clientes, El crédito servirá para iniciar un emprendimiento.	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Capacitación en componentes de prevención de salud
Banca Comunal Urbano Rango 1	USD 20 - 283	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Health Training
Banca Comunal Urbano Rango 2	BOB 2,001 - 4,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health training
Banca Comunal Urbano Rango 2 (USD)	USD 284 - 566	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health Training
Banca Comunal Urbano Rango 3	BOB 4,001 - 5,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Health training
Banca Comunal Urbano Rango 3 (USD)	USD 567 - 2,030	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 4	BOB 5,001 - 6,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 5	BOB 6,001 - 8,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 6	BOB 8,001 - 11,000	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Up to 10% of GLP can be used for men., New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 7	BOB 11,001 - 13,600	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Up to 10% of GLP can be used for men., New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Banca Comunal Urbano Rango 8	BOB 13,001 - 14,030	4 - 6	80% - 100%	80% - 100%	Business, Consumer, Education, Other	Women, Have business, Men can access up to 10% of portfolio, New clients need not own business if they have business plan	Credit Educ, Group Mtgs, Credit Ins, Business Training
Individual Sin Hipoteca Rango	BOB 3,535 - 35,350	3 - 60	60% - 80%	80% - 100%	Any Purpose	Women, Men, Specific age group, 20% men according to current policy

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal	34.0%-36.0% annual, Decl Bal	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal Rural Rango 1	24.0% annual, Flat	2 Fees	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Rural Rango 2	24.0% annual, Flat	2 Fees	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	24.0% annual, Flat	1 Fee	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	18.0% annual, Flat	1 Fee	15.00% Principal	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2	24.0% annual, Flat	1 Fee	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2 (USD)	18.0% annual, Flat	1 Fee	15.00% Principal	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3 (USD)	18.0% annual, Flat	1 Fee	15.00% Principal	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 4	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 5	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 6	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 7	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 8	24.0% annual, Flat	1 Fee	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Individual Sin Hipoteca Rango	23.0%-30.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal	34.0%-36.0% annual, Decl Bal	0 Ins Ins	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	0 Ins Ins	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	0 Ins Ins	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal Rural Rango 1	24.0% annual, Flat	2 Fees	0 Ins Ins	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Rural Rango 2	24.0% annual, Flat	2 Fees	0 Ins Ins	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 1	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2	24.0% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 2 (USD)	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	10.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 3 (USD)	18.0% annual, Flat	1 Fee	0 Ins Ins	15.00% Principal	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 4	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 5	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 6	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 7	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Banca Comunal Urbano Rango 8	24.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 20.00% ongoing	0%	0%	N/A
Individual Sin Hipoteca Rango	23.0%-30.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A

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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

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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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