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Institution
Data approved: 2010-10-28
Data version: 1
Age of data: - months
Key Statistics
Outstanding portfolio (USD) | USD 6,224,688 |
Portfolio (USD) | USD 6,224,688 |
Active Clients with Loans | 415 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 20% - 40% |
Methodology
Individual | x |
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 generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) | |
Included Services
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | Ahorro |
Other (2) | |
No other services | |
Eligibility
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 | |
Other (2) | |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active | |
Loan Conditions
Loan Amount
Currency | USD |
Minimum loan size | USD 2,488 |
Maximum loan size | 160,000 |
Loan Term and Grace Period
Shortest loan term | 3.0 months |
Longest loan term | 120.0 months |
Approx average | 54.0 months |
Grace Period
Grace period usage | 0 |
Average grace period | 0 |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 18.00% |
Highest quoted nominal interest | 28.00% |
Reason(s) why interest rate varies | Time as Client, Collateral |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | N/A |
Is rate fixed for entire loan term | No |
Upfront Fees
| Fee 1 |
---|
Description | Alta de Linea de Credito |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ongoing Fees
| Fee 1 |
---|
Description | Seguro de Desgravamen |
% of loan amount - min | 9.00% |
% of loan amount - max | 9.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/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 deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | Yes |
Percentage of fees | 0 |
All or some fees taxed | N/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.
Full Pricing Data
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