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Institution
Data approved: 2010-11-09
Data version: 1
Age of data: - months
Key Statistics
Outstanding portfolio (BOB) | BOB 38,551,617.43 |
Portfolio (USD) | USD 5,627,973.35 |
Active Clients with Loans | 4,975 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 80% - 100% |
Methodology
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other | |
Description
Crédito dirigido a Asalariados y Microempresarios que destinen los recursos a la libre disponibilidad
Loan Purpose
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) | |
Included Services
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | |
Eligibility
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | Asalariados tanto formales como informales (Hasta $us. 800), Crédito otorgado a Asalariados que cuen |
Other (2) | Microempresarios que destinen el dinero de forma diferente a la actividad |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active | |
Loan Conditions
Loan Amount
Currency | BOB |
Minimum loan size | BOB 350 |
Maximum loan size | 21,000 |
Loan Term and Grace Period
Shortest loan term | 3.0 months |
Longest loan term | 60.0 months |
Approx average | 0 |
Grace Period
Grace period usage | 0 |
Average grace period | 0 |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 25.00% |
Highest quoted nominal interest | 30.00% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | N/A |
Is rate fixed for entire loan term | No |
Upfront Fees
This product has no upfront feesOngoing Fees
| Fee 1 | | Fee 2 |
---|
Description | Seguro de Desgravamen | | Seguro de Cesantia |
% of loan amount - min | 4.00% | | 1.00% |
% of loan amount - max | 4.00% | | 1.00% |
OR, Fixed amount - min | 0 | | 0 |
Fixed amount - max | 0 | | 0 |
Reason for variation | N/A | | N/A |
Appears on Repayment Sched? | Yes | | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/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 deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | No |
Additional Comments
Crédito otorgado a Asalariados que cuenten con Boleta de Pago, Certificado de Trabajo y/o AfpÂŽs
Full Pricing Data
Eco-Consumo samples
| Sample 1 | | Sample 2 | | Sample 3 |
---|
Loan Amount | BOB 2,500 | | BOB 7,000 | | BOB 14,000 |
Loan Cycle (1, 2, 3, etc) | 1 | | 1 | | Not Known |
Disbursement Date | 2010-06-05 | | 2010-06-19 | | 2010-06-16 |
Loan Term (Months) | 12.0 months | | 24.0 months | | 48.0 months |
Grace Period (Months) | 0.0 months | | 0.0 months | | 0.0 months |
Total Cost of Credit | Not Known | | Not Known | | Not Known |
True Price by Comp | | | | | |
Interest and Fee Component | 31.0% | | 31.0% | | 28.0% |
Insurance Component | 0.0% | | 0.0% | | 0.0% |
Tax Component | 0.0% | | 0.0% | | 0.0% |
Deposit Component | 0.0% | | 0.0% | | 0.0% |
Full APR (int fee ins tax dep) | 31.0% | | 31.0% | | 28.0% |
Transparency Index | 81 | | 81 | | 89 |
| | | | | |
Original Repayment Schedule | PDF | | PDF | | PDF |
MFT Pricing Calculation | PDF | | PDF | | PDF |