Fundación Boliviana Para el Desarrollo - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 128 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: 124 months

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Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070

Data approved: 2013-09-12

Data version: 1

Age of data: 128 months

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Institution Details

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 Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.fbpmc.ma
Year established	2000
Head of Institution	Mustapha BIDOUJ
Regions active	Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab
# Branches	361

Total Portfolio (nat'l)	MAD 1,592,889,000
Total Portfolio (USD)	USD 187,398,705.90
Active clients with loans	217,445
Approximate % female clients	40% - 60%
Approximate % urban clients	0
Network affiliations
Funders

Loan Products » Summary

Consumo

218 Borrowers

USD 122,050.81 Portfolio

Active Product

Asociativo

135 Borrowers

USD 372,356.05 Portfolio

Active Product

Comunal

21,944 Borrowers

USD 10,729,541.63 Portfolio

Active Product

Vivienda

544 Borrowers

USD 1,424,716.26 Portfolio

Active Product

Solidario

291 Borrowers

USD 79,444.99 Portfolio

Active Product

Indiv USD

1,142 Borrowers

USD 2,510,126.83 Portfolio

Active Product

Indiv BOB

5,195 Borrowers

USD 9,206,423.32 Portfolio

Active Product

Loan Products » Summary

Al Intilaka

148,447 Borrowers

USD 91,177,411.76 Portfolio

Active Product

Al Mouwakaba

6,533 Borrowers

USD 14,126,352.94 Portfolio

Active Product

Attaahil

773 Borrowers

USD 2,718,588.24 Portfolio

Active Product

Al Karaoui

12,864 Borrowers

USD 7,244,588.24 Portfolio

Active Product

Attakaddoum

9,600 Borrowers

USD 24,942,352.94 Portfolio

Active Product

Al Fardi

28,053 Borrowers

USD 30,953,764.71 Portfolio

Active Product

Attajhiz

1,305 Borrowers

USD 1,868,235.29 Portfolio

Active Product

Attaaounia

94 Borrowers

USD 274,470.59 Portfolio

Active Product

Al Milkia

239 Borrowers

USD 508,235.29 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Al Intilaka	MAD 3,000 - 20,000	6 - 30	60% - 80%	80% - 100%	Business, Financement du fonds de roulement ou d'investissement	Women, Men, Have business, Jouir d'une bonne moralité	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Formation Initiale pour les nouveaux clients
Al Mouwakaba	MAD 20,500 - 40,000	6 - 48	40% - 60%	80% - 100%	Business, Financement du fond de roulement ou d'investissement	Women, Men, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Attaahil	MAD 40,500 - 50,000	6 - 48	0% - 20%	80% - 100%	Business, Financement du fonds de roulement et d'investissement	Women, Men, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Al Karaoui	MAD 3,000 - 50,000	6 - 48	20% - 40%	80% - 100%	Business, Financement des besoins en investissement liés à lactivité de lélevage	Women, Men, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Attakaddoum	MAD 10,000 - 50,000	6 - 48	0% - 20%	80% - 100%	Business, Financement du Fonds de Roulement ou Investissement	Women, Men, Have business	Credit Educ, Tech Asst Visits, Business Training, Other Training
Al Fardi	MAD 7,000 - 50,000	6 - 48	40% - 60%	80% - 100%	Business, Financement du Fonds de Roulement ou d'investissement	Women, Men, Have business	Credit Educ, Tech Asst Visits, Business Training, Other Training, Formation Initiale pour les nouveaux clients
Attajhiz Al Hirafi	MAD 7,000 - 50,000	6 - 48	0% - 20%	80% - 100%	Business, Financement de l'acquisition de véhicules	Women, Men, Have business	Credit Educ, Tech Asst Visits, Business Training, Other Training
Attaaounia	MAD 3,000 - 50,000	6 - 48	0% - 20%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Al Milkia	MAD 3,000 - 50,000	6 - 120	0% - 20%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Tech Asst Visits, Business Training, Other Training

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

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Al Intilaka	25.2% annual, Decl Bal	2 Fees	None	N/A	27.9% - 40.7%	27.9% - 40.7%	75
Al Mouwakaba	21.6% annual, Decl Bal	2 Fees	None	N/A	23.2% - 28.5%	23.2% - 28.5%	86
Attaahil	18.0% annual, Decl Bal	2 Fees	None	N/A	19.3% - 23.4%	19.3% - 23.4%	86
Al Karaoui	31.2% annual, Decl Bal	2 Fees	None	N/A	33% - 41.5%	33% - 41.5%	87
Attakaddoum	16.8% annual, Decl Bal	2 Fees	None	N/A	18% - 20.3%	18% - 20.3%	88
Al Fardi	26.4% annual, Decl Bal	2 Fees	None	N/A	28.9% - 33.4%	28.9% - 33.4%	86
Attajhiz Al Hirafi	16.8% annual, Decl Bal	2 Fees	None	N/A	19.6% - 24%	19.6% - 24%	78
Attaaounia	15.6% annual, Decl Bal	2 Fees	None	N/A	16.7% - 21.8%	16.7% - 21.8%	81
Al Milkia	12.0% annual, Decl Bal	2 Fees	None	N/A	11.2% - 13%	11.2% - 13%	96

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 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

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Al Intilaka	25.2% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	27.9% - 40.7%	27.9% - 40.7%	75
Al Mouwakaba	21.6% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	23.2% - 28.5%	23.2% - 28.5%	86
Attaahil	18.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	19.3% - 23.4%	19.3% - 23.4%	86
Al Karaoui	31.2% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	33% - 41.5%	33% - 41.5%	87
Attakaddoum	16.8% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	18% - 20.3%	18% - 20.3%	88
Al Fardi	26.4% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	28.9% - 33.4%	28.9% - 33.4%	86
Attajhiz Al Hirafi	16.8% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	19.6% - 24%	19.6% - 24%	78
Attaaounia	15.6% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	16.7% - 21.8%	16.7% - 21.8%	81
Al Milkia	12.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	11.2% - 13%	11.2% - 13%	96

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Key Statistics
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# Institutions
# Countries
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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