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Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 90 months

Product

Programa de Vivienda y Mejoramiento del Habitat Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,239,440.50
Portfolio (USD)USD 331,768.96
Active Clients with Loans216.50
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Lineas de crédito para refaccion, anticrético, servicios básicos y ampliación.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
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 institution1
# Regions for this product1
Regions ActiveLa Paz

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
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 term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.80%
Reason(s) why interest rate variesTime as Client, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCobro por Formularios
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min16
Fixed amount - max20
Reason for variationFee varies based on loan amount.
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.18%
% of loan amount - max0.72%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationInsurance fee is 0.03% per month, charged on the disbursed loan amount.
Appears on Repayment Sched?Yes
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

Programa de Vivienda y Mejoramiento del Habitat samples
Sample 1Sample 2Sample 3
Loan AmountBOB 4,000BOB 6,000BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-09-232014-04-012014-04-01
Loan Term (Months)12.0 months18.0 months16.0 months
Grace Period (Months)-0.2 months0.0 months0.0 months
Total Cost of CreditBOB 646.95BOB 1,418.40BOB 1,174.40
True Price by Comp     
Interest price component18.1%21.4%14.4%
Fee Component10.5%6.9%5.4%
Insurance Component0.6%0.7%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.2%29.0%20.4%
Transparency Index495071
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Programa de Vivienda y Mejoramiento del Habitat Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000199
AMPL00099
Arman41,500529,107,000199
Arohan43,5008,091,000299
ASA INDIA164,00015,380,000199
Asirvad113,50019,328,000199
Asmitha1,114,800217,867,000199
Bandhan4,048,600674,564,000599
Belstar123,00023,945,000277
BSFL275,20031,590,000399
Chaitanya20,7003,748,000399
Disha Microfin69,00014,332,000299
Equitas1,220,000186,415,000499
ESAF354,20043,500,000599
FFSL150,60035,719,000299
Fusion66,8009,820,000299
Grama Vidiyal738,200102,101,000199
Grameen Koota586,60083,555,00015101
Janalakshmi506,000119,077,000299
L & T Finance399,80037,199,000199
MFL331,80049,083,000199
MMFL175,00023,752,000299
Mpower13,6002,263,000299
Sahayata00099
Saija24,7004,682,000299
Samasta45,5004,809,000299
Satin405,60090,174,000299
SCCI115,60015,910,000299
Share2,195,400376,727,000199
SKS3,409,000355,029,000299
SMILE360,20056,927,000199
SNFL9,4001,779,000199
Sonata Finance158,20022,724,0003101
Spandana533,400147,240,000299
Suryoday78,60014,713,000399
SVCL118,20018,886,000199
Swadhaar92,80017,166,000399
Trident68,7008,852,000199
Ujjivan913,300160,848,000599
Utkarsh168,60025,915,000399
VFS175,40019,264,000299
Asomi50,3004,743,0002131
AES India3,600286,0001131
Arth2,900611,0002131
Asomi50,3004,743,0002131
Barasat GS1,10099,508.021131
BJS6,000468,0001131
Cashpor417,00050,452,0001130
Credible10,0001,669,540.362131
DIBAKAR1,800145,0001130
GOF65,2005,388,0004130
Hope62,6004,407,0001128
Jaago2,700237,0001129
LOK4,900573,0001130
Nano25,6003,660,0002131
NBSAAVS28,1002,821,0001128
Nirantara8,200917,0002130
Parama7,100482,0001130
Pragathi26,2004,579,0006130
PWMACS36,5005,946,0001130
Saadhana90,90012,046,0002130
Sambhav1,500183,0003130
Seba Rahara6,700468,0001130
SU61,1005,498,0001130
Swayanshree7,900918,0002130
Vikas Samiti1,600168,0001130
Vistaar4,3001,157,0002128
We The People1,100244,0002130
WEMCS1,10085,0001130
Yukti1,10099,0002130
Caps / Zoom options
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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