2. ANED
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wisigara
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia
Data approved: 2013-08-19
Data version: 2
Age of data: 130 months
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Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 143 months
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Product

Bancos Comunales Product 1 of 3 « Prev | Next »

Product

Commerce Loan Product 2 of 3 « Prev | Next »

Product Summary

Number borrowers1,067
Loan Amount (range)BOB 500 - 8,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method26.0%-38.0% annual, Decl Bal
FeesNone
Insurance0.09%-0.10% upfront 0.05%-0.20% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 37.9%
Fee Component0
Insurance Component1.0% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)27.1% - 38.9%
Transparency Index (min/max)32 - 96
Transparency Index (average)78

Product Summary

1,062
RWF 20,000 - 2,000,000
3 - 12
Credit Educ, Business Training, Other Training
24.00% annual, Decl Bal
2 fees
0.08%-2.32% upfront
None
20.00% upfront
 
17.6% - 57.8%
2.1% - 20.3%
0.3% - 0.7%
0
40.8% - 110.7%
22 - 80
39

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,775,360.49
Portfolio (USD)USD 411,164.52
Active Clients with Loans1,067
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Esta metodología fue desarrollada específicamente para llegar a mujeres campesinas, organizadas en juntas de ahorro y crédito. Aunque excepcionalmente puede otorgarse el prestamo a hombres.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
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 product6
Regions ActiveBeni , Chuquisaca , La Paz , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 121,216,740
Portfolio (USD)USD 189,401.16
Active Clients with Loans1,062
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Product for commerce activity, such as buying and selling crops and other items in the market.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
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 institution6
# Regions for this product7
Regions ActiveBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu, Rutsiro

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size8,000
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 averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 20,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00040%
RWF 1,500,000-2,500,00040%
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months60%
Between 13 and 18 months0
Longer than 18 months0
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 interest26.00%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
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
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionPaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.08%
% of loan amount - max2.32%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age & loan term
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Bancos Comunales samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 1,200BOB 2,000BOB 4,500BOB 5,500BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-032014-01-032014-01-052014-01-052014-01-05
Loan Term (Months)10.0 months12.0 months12.0 months9.0 months6.0 months
Grace Period (Months)0.1 months0.1 months0.2 months0.2 months0.2 months
Total Cost of CreditBOB 156.58BOB 382.76BOB 875.45BOB 919.07BOB 982.36
True Price by Comp         
Interest price component26.1%32.0%32.0%36.0%37.9%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.1%1.1%1.0%1.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.1%33.1%33.1%37.0%38.9%
Transparency Index9679797067
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Commerce Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 120,000RWF 250,000RWF 460,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-07-302012-07-232012-01-112012-07-31
Loan Term (Months)3.1 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month3.0 months1.0 month
Total Cost of CreditRWF 16,035RWF 39,562.50RWF 80,735RWF 153,740
True Price by Comp       
Interest price component57.8%23.7%23.8%23.7%
Fee Component20.3%5.2%4.0%4.4%
Insurance Component0.7%0.5%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component31.9%15.6%12.6%15.3%
Full APR (int fee ins tax dep)110.7%45.0%40.8%43.8%
Transparency Index22535955
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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