2. CIDRE
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Institution

CIDRE Calle Juan de la Cruz Torrez # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1981
Head of InstitutionAlvaro Moscoso Blanco
Regions active0
# Branches11

Total Portfolio (nat'l)BOB 100,003,465.30
Total Portfolio (USD)USD 14,599,046.03
Active clients with loans3,488
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), KIVA, Oikocredit, Babco de Desarrollo Productivo (BDP S.A.M.)

Loan Products » Summary

Consumo BOB
54 Borrowers
USD 93,135.15 Portfolio
Active Product
Consumo USD
113 Borrowers
USD 301,014.41 Portfolio
Active Product
Vivienda USD
91 Borrowers
USD 755,374.25 Portfolio
Active Product
Comercio BOB
72 Borrowers
USD 213,076.20 Portfolio
Active Product
Comercio USD
432 Borrowers
USD 2,816,538.67 Portfolio
Active Product
Product BOB
176 Borrowers
USD 504,708.36 Portfolio
Active Product
Product USD
2,270 Borrowers
USD 9,642,380.14 Portfolio
Active Product
Vivienda BOB
4 Borrowers
USD 36,054.21 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 1,414 - 70,700 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capcidad de pago Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capacidad de pago Credit Ins
Credito Hipotecaria (USD) USD 1,000 - 43,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men, Capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 1,414 - 70,700 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business, Debe tener capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (USD) USD 200 - 10,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business, Capcidad de pago Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 1,414 - 70,700 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Debe tener capacidad de pago. Credit Ins
Microcredito Productivo (USD) USD 200 - 10,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business, Capacidad de pago Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A
Institution Price Graph
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  2. Urwego

Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 1900-01-00
Data version: 3
Age of data: -   months 
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Product

Community Banking Product 2 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 3,746,361,055
Portfolio (USD)USD 5,853,689.15
Active Clients with Loans31,626
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Group members 20 to 60 individuals; groups members must have a business; member co guarantee each other (Social guarantee)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
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 institution30
# Regions for this product30
Regions ActiveBugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza, Nyarugenge, Nyaruguru, Rubavu, Ruhango, Rulindo, Rusizi, Rutsiro, Rwamagana

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 30,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00090%
RWF 500,000-1,500,00010%
RWF 1,500,000-2,500,0000
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 term4.0 months
Longest loan term4.0 months
Approx average3.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.2 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationExcluding VAT
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance Premium
% of loan amount - min0.08%
% of loan amount - max0.08%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationExcluding VAT
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees18%
All or some fees taxedAll

Full Pricing Data

Community Banking samples
Sample 1Sample 2Sample 3
Loan AmountRWF 250,000RWF 1,500,000RWF 400,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-08-272014-09-042014-08-05
Loan Term (Months)4.0 months4.0 months4.0 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditRWF 26,290RWF 157,724RWF 36,393.60
True Price by Comp     
Interest price component49.1%49.1%41.7%
Fee Component5.6%5.6%5.7%
Insurance Component0.5%0.5%0.4%
Tax Component1.1%1.1%1.1%
Deposit Component11.5%11.5%10.2%
Full APR (int fee ins tax dep)67.8%67.8%59.1%
Transparency Index353541
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Community Banking Price Graphs


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Key Statistics
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# 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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