Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.fubode.org/ |
Year established | 1995 |
Head of Institution | Luis Fernando Torrez Ontivero |
Regions active | Chuquisaca , Cochabamba , Oruro , Potosí, Santa Cruz, Tarija |
# Branches | 18 |
Total Portfolio (nat'l) | BOB 165,483,985 |
Total Portfolio (USD) | USD 24,516,145.93 |
Active clients with loans | 29,469 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Vision Fund International, FINRURAL |
Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.d-miro.org/ |
Year established | 2010 |
Head of Institution | Carlos Egas Guerra |
Regions active | |
# Branches | 14 |
Total Portfolio (nat'l) | USD 33,162,498 |
Total Portfolio (USD) | USD 33,162,498 |
Active clients with loans | 37,455 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Red Financiera Rural |
Funders | Pettelaar Effectenbewaarbedrijf N.V. - SNS, Triple Jump, Microvest Fund, Credit Suisse Microfinance Fund Management Company |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Asalariado | USD 600 - 2,000 | 10 - 12 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Grupo Solidario | USD 400 - 800 | 6 - 12 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
Jovénes Emprendedores | USD 600 - 1,000 | 6 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men, Specific age group | Credit Ins | |||||||
Microcrédito Individual | USD 400 - 20,000 | 10 - 36 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
Microcrédito Individual Vida | USD 400 - 20,000 | 6 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Specific age group | Credit Ins, Servicio de protección familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente | |||||||
Microcrédito Preferencial | USD 5,000 - 20,000 | 12 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
Microcrédito Triangular | USD 800 - 2,000 | 6 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
Microcrédito Vivienda | USD 1,000 - 20,000 | 6 - 36 | 40% - 60% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land | Credit Ins |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Asalariado | 15.2% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 15.4% | 28.2% - 29.3% | 53 | ||||||||
Grupo Solidario | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 40.2% - 41.6% | 65 | ||||||||
Jovénes Emprendedores | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.4% - 40.5% | 67 | ||||||||
Microcrédito Individual | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 24.9% - 27.3% | 37.5% - 39.7% | 59 | ||||||||
Microcrédito Individual Vida | 22.9%-26.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 27.3% | 27.3% | 84 | ||||||||
Microcrédito Preferencial | 21.0%-24.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.3% - 23.3% | 24.6% - 26.9% | 80 | ||||||||
Microcrédito Triangular | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.5% - 41.6% | 66 | ||||||||
Microcrédito Vivienda | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.2% - 40.1% | 57 |
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 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 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 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 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 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 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 Ins | None | N/A | 24.2% - 26.4% | 24.6% - 26.8% | 62 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Asalariado | 15.2% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 15.4% | 28.2% - 29.3% | 53 | ||||||||
Grupo Solidario | 26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.3% | 40.2% - 41.6% | 65 | ||||||||
Jovénes Emprendedores | 26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.3% | 39.4% - 40.5% | 67 | ||||||||
Microcrédito Individual | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 24.9% - 27.3% | 37.5% - 39.7% | 59 | ||||||||
Microcrédito Individual Vida | 22.9%-26.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 27.3% | 27.3% | 84 | ||||||||
Microcrédito Preferencial | 21.0%-24.5% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 21.3% - 23.3% | 24.6% - 26.9% | 80 | ||||||||
Microcrédito Triangular | 26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.3% | 39.5% - 41.6% | 66 | ||||||||
Microcrédito Vivienda | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.3% | 39.2% - 40.1% | 57 |
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