2. Coop Fatima
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ANED
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 165 months

Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia
Data approved: 2013-08-19
Data version: 2
Age of data: 123 months
Choose version

Product

DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL Product 3 of 7 « Prev | Next »

Product

Credito Individual - USD Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers3,341
Loan Amount (range)BOB 7,000 - 63,000
Loan Term (range)36 - 60
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method16.0%-18.0% annual, Decl Bal
Fees6.00% ongoing
InsuranceNone
Tax24.00 fixed
Comp Dep50.00 upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component16.9% - 19.0% (Int+Fee)
Insurance Component0 - 0.8%
Tax Component Range0.3% - 6.6%
Full APR (int fee ins tax dep)17.7% - 25.9%
Transparency Index (min/max)58 - 92
Transparency Index (average)74

Product Summary

1,235
USD 200 - 12,000
6 - 96
Credit Ins
12.0%-36.0% annual, Decl Bal
None
0.09%-0.10% upfront 0.05%-0.82% ongoing
None
N/A
 
16.1% - 37.9%
0
1.0% - 1.1%
0
19.1% - 37.0%
32 - 96
48

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 94,767,279
Portfolio (USD)USD 14,039,596.89
Active Clients with Loans3,341
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito de libre disponibilidad.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,858,914.10
Portfolio (USD)USD 1,858,914.10
Active Clients with Loans1,235
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito otorgado a personas naturales donde se considera como unidad económica a la familia (el análisis y evaluación de la capacidad de pago se establece sobre la base de ingresos y gastos familiares).
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
OtherCapital de Operación - Inversión
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product7
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 7,000
Maximum loan size63,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term60.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50010%
USD 1,500-5,00080%
USD 5,000-10,00010%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term96.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months15%
Longer than 18 months80%
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedBOB 50
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Impuesto de 24 Bs. va a ser eliminado.

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
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
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.82%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 7,000BOB 14,000BOB 21,000BOB 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-212010-08-122010-09-20
Loan Term (Months)36.0 months36.0 months36.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component19.0%19.0%19.0%16.9%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component6.6%3.4%2.1%0.7%
Deposit Component0.3%0.1%0.1%0.0%
Full APR (int fee ins tax dep)25.9%22.5%21.2%17.7%
Transparency Index62717690
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credito Individual - USD samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 1,200USD 3,000USD 5,000USD 5,000USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-052014-01-102014-01-102014-01-062014-01-03
Loan Term (Months)20.0 months12.0 months18.0 months30.0 months12.0 months
Grace Period (Months)0.2 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUSD 215.27USD 425.36USD 1,420.74USD 2,769USD 1,064.09
True Price by Comp         
Interest price component18.1%24.1%32.0%36.0%18.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.0%1.1%1.0%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)19.1%25.1%33.1%37.0%19.2%
Transparency Index6348363263
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL Price Graphs


Click to view Price Analysis Tool
Credito Individual - USD Price Graphs


Click to view Price Analysis Tool
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
Loading...
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

Total Borrowers of Samples

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