| Number borrowers | 166 |
| Loan Amount (range) | USD 500 - 1,500 |
| Loan Term (range) | 4 - 8 |
| Other Services (text summary) | Tech Asst Visits |
| Annual Interest & Method | 28.6% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | 12.0% upfront |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 28.9% - 29.0% (Int+Fee) |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 32.9% |
| Transparency Index (min/max) | 87 - 188 |
| Transparency Index (average) | 87 |
| 339 |
| BOB 400 - 80,000 |
| 3 - 36 |
| Credit Ins |
| 5.3%-8.0% annual, Decl Bal |
| None |
| None |
| None |
| 100.0% upfront |
| 7.8% - 28.0% |
| 0 |
| 0 |
| 0 |
| 0 |
| 52 - 101 |
| 100 |
| Outstanding portfolio (USD) | USD 66,556.84 |
| Portfolio (USD) | USD 66,556.84 |
| Active Clients with Loans | 166 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | x |
| 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 | |
| Must be specific age group | |
| Other | Asociacion debe haber firmado convenio con Cepesiu |
| Other (2) | Producto dirigido a produccion agricola de ciclo corto |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (BOB) | BOB 4,557,309.58 |
| Portfolio (USD) | USD 675,156.97 |
| Active Clients with Loans | 339 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| 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 | Clientes con DPFs propios del Banco |
| 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 | 1,500 |
| Shortest loan term | 4.0 months |
| Longest loan term | 8.0 months |
| Approx average | 6.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Currency | BOB |
| Minimum loan size | BOB 400 |
| Maximum loan size | 80,000 |
| Loans less than BOB 10,000 | 50% |
| BOB 10,000-40,000 | 40% |
| BOB 40,000-70,000 | 10% |
| BOB 70,000-100,000 | 0 |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 36.0 months |
| Approx average | 20.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 5% |
| Between 10 and 12 months | 15% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 50% |
| 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 | x |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 28.56% |
| Highest quoted nominal interest | 28.56% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 12.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 5.25% |
| Highest quoted nominal interest | 7.96% |
| Reason(s) why interest rate varies | Loan Size, Collateral |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 100.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 0.25% |
| Maximum interest rate paid | 2.96% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 1,136 | USD 1,136 | USD 1,136.36 | ||
| Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | ||
| Disbursement Date | 2010-06-15 | 2010-06-15 | 2010-06-15 | ||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 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 | 28.9% | 28.9% | 29.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 4.0% | 4.0% | 4.0% | ||
| Full APR (int fee ins tax dep) | 32.9% | 32.9% | 32.9% | ||
| Transparency Index | 87 | 87 | 87 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | |
|---|---|
| Loan Amount | BOB 10,000 |
| Loan Cycle (1, 2, 3, etc) | Not Known |
| Disbursement Date | 2013-12-26 |
| Loan Term (Months) | 37.0 months |
| Grace Period (Months) | 0.5 months |
| Total Cost of Credit | BOB 1,281.71 |
| True Price by Comp | |
| Interest price component | 7.8% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component | 0 |
| Deposit Component | -7.8% |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index | 100 |
| 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 |
|---|---|---|---|---|---|---|---|
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