Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 122 months

Product

Banca Comunal Product 1 of 13 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 341,588,459
Portfolio (USD)USD 50,605,697.63
Active Clients with Loans112,789
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Tecnología que CRECER usa para el logro de su misión social. Mujeres pobres agrupadas 8 a 30. Garantía solidaria. Servicios de desarrollo humano. Capacitación en educación financiera y no financiera. Acceso a servicios de salud a través de convenios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherServicios de Salud a través de alianzas estratégicas
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 product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 100
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00090%
BOB 10,000-40,00010%
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 term5.3 months
Longest loan term11.3 months
Approx average8.3 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months80%
Between 10 and 12 months10%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest34.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid1.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Banca Comunal samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 1,000BOB 4,000BOB 5,500BOB 8,000BOB 10,000BOB 13,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-11-182013-11-182013-11-182013-11-182013-11-112013-11-12
Loan Term (Months)7.0 months7.0 months7.0 months7.0 months5.6 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 129.45BOB 519.43BOB 715.24BOB 1,039.67BOB 1,002.44BOB 2,484.47
True Price by Comp           
Interest price component36.0%36.0%36.0%36.0%36.0%36.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component15.3%15.3%15.3%15.2%14.6%15.4%
Full APR (int fee ins tax dep)51.3%51.3%51.3%51.2%50.6%51.4%
Transparency Index666666666766
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Banca Comunal Price Graphs


Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Boliviana Para el Desarrollo Calle Antezana No 216 entre Colombia, CercadoCochabamba, Bolivia
Data approved: 2013-08-20
Data version: 2
Age of data: 122 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fubode.org/
Year established1995
Head of InstitutionLuis Fernando Torrez Ontivero
Regions activeChuquisaca , Cochabamba , Oruro , Potosí, Santa Cruz, Tarija
# Branches18

Total Portfolio (nat'l)BOB 165,483,985
Total Portfolio (USD)USD 24,516,145.93
Active clients with loans29,469
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsVision Fund International, FINRURAL
FundersWorld Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada

Loan Products » Summary

218 Borrowers
USD 122,050.81 Portfolio
Active Product
135 Borrowers
USD 372,356.05 Portfolio
Active Product
21,944 Borrowers
USD 10,729,541.63 Portfolio
Active Product
544 Borrowers
USD 1,424,716.26 Portfolio
Active Product
291 Borrowers
USD 79,444.99 Portfolio
Active Product
1,142 Borrowers
USD 2,510,126.83 Portfolio
Active Product
5,195 Borrowers
USD 9,206,423.32 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo BOB 1,500 - 8,000 6 - 24 40% - 60% 40% - 60% Any Purpose Women, Men Credit Ins
Credito Asociativo USD 4,500 - 30,600 18 - 48 20% - 40% 0% Business, Agriculture Women, Men, Have business
Grupo Comunal (Banco Comunal) BOB 200 - 14,500 4 - 9 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training, Educacion No Financiera (Agua, Saneamiento, Manejo de Residuos Solidos)
Microcrédito de Vivienda USD 1,000 - 15,000 10 - 72 20% - 40% 20% - 40% Housing, No se puede usar para negocio Women, Men, Have business, Have home or land Credit Ins, Other Training, Asistencia Tecnica Constructiva
Microcrédito Grupo Solidario USD 700 - 5,000 8 - 24 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business Credit Educ, Credit Ins
Microcrédito Productivo Individual (USD) USD 150 - 15,000 4 - 60 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins
Microcrédito Productivo Individual (BOB) BOB 1,000 - 106,000 4 - 60 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 30.0%-32.0% annual, Decl Bal 0 Fees 1 Ins None N/A 31.5% - 33.3% 32% - 33.7% 91
Credito Asociativo 15.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 24.1% - 24.2% 24.1% - 24.2% 62
Grupo Comunal (Banco Comunal) 30.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 10.00% ongoing 37.2% - 38% 55.2% - 56.9% 53
Microcrédito de Vivienda 16.0%-30.0% annual, Decl Bal 0 Fees 1 Ins None N/A 19.8% - 29.5% 20.3% - 30% 65
Microcrédito Grupo Solidario 20.0%-33.6% annual, Decl Bal 0 Fees 1 Ins None N/A 22.1% - 24.1% 22.6% - 24.5% 84
Microcrédito Productivo Individual (USD) 18.0%-34.0% annual, Decl Bal 0 Fees 1 Ins None N/A 22.1% - 30.6% 22.6% - 31% 60
Microcrédito Productivo Individual (BOB) 18.0%-34.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24.2% - 26.4% 24.6% - 26.8% 62
Institution Price Graph
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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