Fundacion Sartawi - MFTransparency.org Truth In Lending Tables

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Institution

Fundacion Sartawi C.Pedro Salazar # 509La Paz

Data approved: 2010-10-28

Data version: 1

Age of data: - months

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Institution

Banco Fortaleza Sociedad Anónima Av. Arce No, 2799 esq. CorderoLa Paz, Bolivia

Data approved: 2013-09-23

Data version: 2

Age of data: 123 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.sembrarsartawi.org
Year established	1990
Head of Institution	Maria Elena Querejazu
Regions active	0
# Branches	19

Total Portfolio (nat'l)	BOB 38,539,109
Total Portfolio (USD)	USD 5,626,147.30
Active clients with loans	4,798
Approximate % female clients	40% - 60%
Approximate % urban clients	20% - 40%
Network affiliations
Funders

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.grupofortaleza.com.bo/
Year established	2002
Head of Institution	Nelson Hinojosa Jimenez
Regions active	Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija
# Branches	7

Total Portfolio (nat'l)	BOB 1,120,213,180
Total Portfolio (USD)	USD 165,957,508.10
Active clients with loans	21,147
Approximate % female clients	20% - 40%
Approximate % urban clients	60% - 80%
Network affiliations	ASOFIN
Funders

Loan Products » Summary

Inversion

860 Borrowers

USD 1,564,682.48 Portfolio

Active Product

Inversion

686 Borrowers

USD 1,364,352 Portfolio

Active Product

Operaciones

382 Borrowers

USD 386,164.53 Portfolio

Active Product

Operaciones

645 Borrowers

USD 687,319 Portfolio

Active Product

Solidario

850 Borrowers

USD 1,183,191.53 Portfolio

Active Product

Dispon

855 Borrowers

USD 621,112.41 Portfolio

Active Product

Dispon

453 Borrowers

USD 309,574 Portfolio

Active Product

Loan Products » Summary

Anticrédito

95 Borrowers

USD 499,392.15 Portfolio

Active Product

Dinero Hoy

2,823 Borrowers

USD 6,100,231.85 Portfolio

Active Product

Linea

2,718 Borrowers

USD 14,907,731.41 Portfolio

Active Product

Tasa 0

2,690 Borrowers

USD 16,320,515.11 Portfolio

Active Product

Expreso

196 Borrowers

USD 2,015,204.89 Portfolio

Active Product

Hipotecario

530 Borrowers

USD 11,239,311.26 Portfolio

Active Product

Vehículo

151 Borrowers

USD 2,703,121.78 Portfolio

Active Product

Consumo

2,546 Borrowers

USD 14,443,357.93 Portfolio

Active Product

Operaciones

3,990 Borrowers

USD 32,908,317.33 Portfolio

Active Product

Inversión

4,344 Borrowers

USD 63,268,850.07 Portfolio

Active Product

Auto Hoy

42 Borrowers

USD 113,868 Portfolio

Low Volume Product

Fortaleza

1 Borrowers

USD 798.07 Portfolio

Low Volume Product

Mejoras

5 Borrowers

USD 10,081.63 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Capital de Inversión	BOB 1,394 - 139,400	3.6 - 78.7	0%	20% - 40%	Business	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Inversión (USD)	USD 200 - 20,000	3.6 - 78.7	0% - 20%	20% - 40%	Business	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones	BOB 349 - 139,400	3.7 - 36.9	20% - 40%	20% - 40%	Business, Capital de Trabajo	Women, Men, Have business	Credit Ins, Tech Asst Visits, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones (USD)	USD 50 - 20,000	3.7 - 60.9	20% - 40%	20% - 40%	Business, Usar solo para capital de trabajo	Women, Men, Have business	Credit Ins, Business Training, Other Training, Asistencia tecnica de los compradores de la produccion
Capital Operaciones - Grupo Solidario	BOB 349 - 13,940	4.1 - 24.7	20% - 40%	20% - 40%	Business, Usar solo para capital de trabajo	Women, Men, Have business	Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Libre Disponibilidad	BOB 349 - 20,910	3.6 - 60.8	40% - 60%	40% - 60%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Libre Disponibilidad (USD)	USD 50 - 3,000	5.6 - 60.8	40% - 60%	40% - 60%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Anticrédito Hoy	BOB 15,000 - 140,000	25 - 62	40% - 60%	60% - 80%	Business, Activo Fijo	Women, Men, Have business, Salaried worker	Credit Ins
Dinero Hoy	BOB 15,000 - 30,000	6 - 50	40% - 60%	60% - 80%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Linea de Credito Optima	BOB 14,000 - 140,000	27 - 118	20% - 40%	60% - 80%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Crédito Tasa 0	BOB 1,440 - 35,000	24 - 61	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Crédito Capital Expreso	BOB 70,000 - 350,000	5 - 69	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Crédito Hipotecario de Vivienda	BOB 70,000 - 14,000,000	24 - 305	0% - 20%	60% - 80%	Vivienda	Women, Men, Have business, Salaried worker	Credit Ins
Crédito Vehículo Nuevo	BOB 40,000 - 700,000	49 - 98	20% - 40%	60% - 80%	Uso particular compra vehiculo nuevo	Women, Men, Salaried worker	Credit Ins
Crédito de Consumo	BOB 16,000 - 600,000	1 - 152	20% - 40%	60% - 80%	Any Purpose	Women, Men, Salaried worker	Credit Ins
Crédito para Capital de Operaciones	BOB 16,000 - 350,000	3 - 119	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Crédito para Capital de Inversión	BOB 16,000 - 350,000	3 - 244	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Capital de Inversión	20.0%-28.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Capital de Inversión (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Capital de Operaciones	20.0%-28.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Capital de Operaciones (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Capital Operaciones - Grupo Solidario	27.0% annual, Decl Bal	2 Fees	None	N/A	0%	0%	N/A
Libre Disponibilidad	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	N/A	0%	0%	N/A
Libre Disponibilidad (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	15.00% Principal	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
Anticrédito Hoy	20.0% annual, Decl Bal	1 Ins	None	N/A	20.1%	21%	96
Dinero Hoy	22.0% annual, Decl Bal	1 Ins	None	N/A	22.1%	22.9%	96
Linea de Credito Optima	21.6% annual, Decl Bal	1 Ins	None	N/A	21.7%	22.5%	96
Crédito Tasa 0	19.0% annual, Decl Bal	1 Ins	None	N/A	19.1%	20%	95
Crédito Capital Expreso	15.5% annual, Decl Bal	1 Ins	None	N/A	15.2% - 17.9%	16% - 20%	59
Crédito Hipotecario de Vivienda	11.0%-18.5% annual, Decl Bal	1 Ins	None	N/A	15.3% - 18.6%	16.4% - 19.5%	43
Crédito Vehículo Nuevo	12.0% annual, Decl Bal	1 Ins	None	N/A	12.1%	13%	62
Crédito de Consumo	17.0%-27.5% annual, Decl Bal	1 Ins	None	N/A	17.1% - 27.6%	18% - 28.4%	100
Crédito para Capital de Operaciones	18.0%-27.5% annual, Decl Bal	1 Ins	None	N/A	18.6% - 27.6%	19.5% - 28.4%	100
Crédito para Capital de Inversión	18.0%-27.5% annual, Decl Bal	1 Ins	None	N/A	18.1% - 27.6%	19% - 27.8%	100

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Capital de Inversión	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Capital de Inversión (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Capital de Operaciones	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Capital de Operaciones (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Capital Operaciones - Grupo Solidario	27.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Libre Disponibilidad	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Libre Disponibilidad (USD)	20.0%-28.0% annual, Decl Bal	2 Fees	0 Ins Ins	15.00% Principal	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
Anticrédito Hoy	20.0% annual, Decl Bal	1 Ins Ins	None	N/A	20.1%	21%	96
Dinero Hoy	22.0% annual, Decl Bal	1 Ins Ins	None	N/A	22.1%	22.9%	96
Linea de Credito Optima	21.6% annual, Decl Bal	1 Ins Ins	None	N/A	21.7%	22.5%	96
Crédito Tasa 0	19.0% annual, Decl Bal	1 Ins Ins	None	N/A	19.1%	20%	95
Crédito Capital Expreso	15.5% annual, Decl Bal	1 Ins Ins	None	N/A	15.2% - 17.9%	16% - 20%	59
Crédito Hipotecario de Vivienda	11.0%-18.5% annual, Decl Bal	1 Ins Ins	None	N/A	15.3% - 18.6%	16.4% - 19.5%	43
Crédito Vehículo Nuevo	12.0% annual, Decl Bal	1 Ins Ins	None	N/A	12.1%	13%	62
Crédito de Consumo	17.0%-27.5% annual, Decl Bal	1 Ins Ins	None	N/A	17.1% - 27.6%	18% - 28.4%	100
Crédito para Capital de Operaciones	18.0%-27.5% annual, Decl Bal	1 Ins Ins	None	N/A	18.6% - 27.6%	19.5% - 28.4%	100
Crédito para Capital de Inversión	18.0%-27.5% annual, Decl Bal	1 Ins Ins	None	N/A	18.1% - 27.6%	19% - 27.8%	100

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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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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

Total Borrowers of Samples

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