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Fundación Fondo de Crédito Solidario Calle Quintin Barrios Nº 768 (Plaza España - Sopocachi), MurilloLa Paz, Bolivia5603
Data approved: 2013-08-16
Data version: 2
Age of data: 112 months


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Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 8,676,490.87
Portfolio (USD)USD 1,285,406.06
Active Clients with Loans3,404
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Solidarity group
Village bankingx
Self help group
Créditos de libre disponibilidad con ahorro y transferencia de capacidades (educación) otorgados en escalas o ciclos a través de grupos solidarios con garantía solidaria y mancomunada de sus miembros preferentemente mujeres.
Loan Purpose
Any purpose
Income generationx
Consumer loanx
Other household finance
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
OtherInsidencia Politica - Participación ciudadana
Other (2)Derechos Humanos - Género
No other services
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product2
Regions ActiveChuquisaca , Potosí

Loan Conditions

Loan Amount
Minimum loan sizeBOB 2,500
Maximum loan size9,500
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 term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months10%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.32%
% of loan amount - max0.95%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe cobra mensualmente el 0.0525% sobre el saldo del capital
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited6.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

Banca Comunal samples
Sample 1Sample 2Sample 3
Loan AmountBOB 2,500BOB 5,000BOB 6,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-192014-02-142014-02-13
Loan Term (Months)6.0 months10.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months-0.1 months
Total Cost of CreditBOB 179.59BOB 585.31BOB 836.68
True Price by Comp     
Interest price component23.8%24.0%23.9%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.6%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component5.9%6.0%5.9%
Full APR (int fee ins tax dep)30.3%30.6%30.5%
Transparency Index797979
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Banca Comunal Price Graphs

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
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to