Institution

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esq. Calle Gustavo ParadaSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

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: 124 months
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Product

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Product Summary

Number borrowers415
Loan Amount (range)USD 2,488 - 160,000
Loan Term (range)3 - 120
Other Services (text summary)Credit Ins, Ahorro
Annual Interest & Method18.0%-28.0% annual, Decl Bal
Fees1.00%-1.50% upfront 9.00% ongoing
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price Component
Fee Component
Insurance Component
Tax Component Range
Full APR (int fee ins tax dep)0
Transparency Index (min/max)
Transparency Index (average)N/A

Product Summary

756
USD 100 - 10,000
10.7 - 71.3
Credit Educ, Credit Ins
18.0%-24.0% annual, Decl Bal
None
None
None
N/A
 
16.3% - 36.0%
0
0
0
19.1% - 23.4%
51 - 101
86

Product Details

Key Statistics
Outstanding portfolio (USD)USD 6,224,688
Portfolio (USD)USD 6,224,688
Active Clients with Loans415
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financiamiento para capital de trabajo e inversión a clientes del Segmento Microempresas
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherAhorro
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,540,515
Portfolio (USD)USD 3,540,515
Active Clients with Loans756
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para una actividad económica agropecuaria con planes de pago y periodos de gracia de acuerdo al flujo de caja del negocio del cliente. Dirigido a hombres y mujeres de escasos recursos.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
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 product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 2,488
Maximum loan size160,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term120.0 months
Approx average54.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,00020%
USD 5,000-10,00080%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term10.7 months
Longest loan term71.3 months
Approx average41.8 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesTime as Client, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1
DescriptionAlta de Linea de Credito
% of loan amount - min1.00%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min9.00%
% of loan amount - max9.00%
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 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?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
El impuesto aplicado como Porcentaje del pago de capital del préstamo y de los intereses es el Impuesto a las Transacciones Financieras de acuerdo a las Leyes Bolivianas, que debe retenerse àºnicamente cuando el pago sea realizado en efectivo. Si se realiza con débito en cuenta cuando ésta tenga un saldo menor a USD 2 mil, la transacción no está gravada por el impuesto.

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest24.00%
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
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
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

Credifassil Pyme (USD) samples
No sample data for this product

Full Pricing Data

Crédito Agropecuario - USD samples
Sample 1Sample 2Sample 3
Loan AmountUSD 3,000USD 8,000USD 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-052014-01-132013-12-05
Loan Term (Months)24.0 months48.0 months26.0 months
Grace Period (Months)0.1 months-1.0 months0.1 months
Total Cost of CreditUSD 643.19USD 3,442.05USD 1,864.41
True Price by Comp     
Interest price component20.4%19.1%23.4%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.4%19.1%23.4%
Transparency Index889477
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credifassil Pyme (USD) Price Graphs
No sample data for this product
Crédito Agropecuario - USD Price Graphs


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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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