| Number borrowers | 422 |
| Loan Amount (range) | USD 500 - 10,000 |
| Loan Term (range) | 10 - 72 |
| Other Services (text summary) | Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre |
| Annual Interest & Method | 16.0%-19.0% annual, Decl Bal |
| Fees | |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 0 (Int+Fee) |
| Insurance Component | 0 - 0.9% |
| Tax Component Range | 0 - 0.6% |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index (min/max) | -1 - N/A |
| Transparency Index (average) | N/A |
| 50 |
| USD 6,000 - 50,000 |
| 37 - 60 |
| Credit Ins |
| 8.0%-10.0% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| 7.8% - 28.0% |
| 0 |
| 0 |
| 0 |
| 8.7% - 9.5% |
| 52 - 101 |
| 88 |
| Outstanding portfolio (USD) | USD 1,358,175 |
| Portfolio (USD) | USD 1,358,175 |
| Active Clients with Loans | 422 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | capital de operación, inversión y/o pago de servic |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Pertenecen a cadenas productivas priorizadas por IDEPRO |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (USD) | USD 612,841.02 |
| Portfolio (USD) | USD 612,841.02 |
| Active Clients with Loans | 50 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Activo Fijo |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| 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 | |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | 9 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
| Currency | USD |
| Minimum loan size | USD 500 |
| Maximum loan size | 10,000 |
| Shortest loan term | 10.0 months |
| Longest loan term | 72.0 months |
| Approx average | 41.0 months |
| Grace period usage | 10% |
| Average grace period | 3.0 months |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments | x |
| Currency | USD |
| Minimum loan size | USD 6,000 |
| Maximum loan size | 50,000 |
| Loans less than USD 1,500 | 0 |
| USD 1,500-5,000 | 0 |
| USD 5,000-10,000 | 20% |
| USD 10,000-15,000 | 30% |
| USD 15,000-18,000 | 15% |
| Greater than USD 18,000 | 15% |
| Shortest loan term | 37.0 months |
| Longest loan term | 60.0 months |
| Approx average | 59.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 100% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | x |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 16.00% |
| Highest quoted nominal interest | 19.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Collateral, Loan Purpose |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| Is rate fixed for entire loan term | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 8.00% |
| Highest quoted nominal interest | 10.00% |
| Reason(s) why interest rate varies | Loan Size, Collateral, Plazo |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | ||
|---|---|---|---|
| Loan Amount | USD 13,520 | USD 18,500 | |
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
| Disbursement Date | 2013-05-15 | 2014-04-07 | |
| Loan Term (Months) | 61.0 months | 24.0 months | |
| Grace Period (Months) | 0.0 months | 0.0 months | |
| Total Cost of Credit | USD 3,222.74 | USD 1,830.73 | |
| True Price by Comp | |||
| Interest price component | 8.7% | 9.5% | |
| Fee Component | 0.0% | 0.0% | |
| Insurance Component | 0.0% | 0.0% | |
| Tax Component | 0.0% | 0.0% | |
| Deposit Component | 0.0% | 0.0% | |
| Full APR (int fee ins tax dep) | 8.7% | 9.5% | |
| Transparency Index | 92 | 85 | |
| Original Repayment Schedule | |||
| MFT Pricing Calculation |
| 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 |
| 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 | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
