2. ProMujer BOL
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. Inkingi
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ProMujer Bolivia Avenida Hernando Siles No 5411La Paz
Data approved: 2013-10-30
Data version: 2
Age of data: 130 months
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Institution

IMF Inkingi Head OfficeKigaliPO Box 2977
Data approved: 2011-09-16
Data version: 1
Age of data: 160 months

Product

Banca Comunal Rural Product 16 of 16 « Prev | Next »

Product

Agriculture/Elevage Loan Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers15,978
Loan Amount (range)BOB 300 - 18,000
Loan Term (range)4 - 12
Other Services (text summary)Group Mtgs, Credit Ins, Business Training
Annual Interest & Method35.0% annual, Decl Bal
FeesNone
Insurance2.50 ongoing
TaxNone
Comp Dep10.00% ongoing
Range of pricing 
Interest Price Component18.1% - 35.1%
Fee Component0
Insurance Component0 - 5.3%
Tax Component Range0
Full APR (int fee ins tax dep)39.3% - 58.9%
Transparency Index (min/max)56 - 89
Transparency Index (average)68

Product Summary

416
RWF 50,000 - 7,500,000
1 - 12
Tech Asst Visits, Business Training, Other Training, Epargne-credit
24.00%-36.00% annual, Flat
2 fees
None
None
10.00% upfront
 
N/A
11.9% - 88.5% (Int+Fee)
0
0
14.6% - 104.9%
20 - 165
50

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 23,728,217.11
Portfolio (USD)USD 3,515,291.42
Active Clients with Loans15,978
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Credito a banca comunal con un minimo de 8 personas. Forma parte del programa de desarrollo rural enfocado en zonas rurales.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherLos clientes nuevos no necesitan tener un negocio (suficiente con un plan de negocio)
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product8
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 112,959,983
Portfolio (USD)USD 176,499.97
Active Clients with Loans416
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherCooperatives des agriculteurs
Description
Donne sous forme de credits de ramassage produits agricoles, de credit de stockage, de culture et intrants, credit achat betail ou vente de produits d'elevage.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherEpargne-credit
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution11
# Regions for this product13
Regions ActiveBugesera, Gasabo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Nyanza, Nyarugenge, Ruhango, Rwamagana

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size18,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00090%
BOB 10,000-40,00010%
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 term4.0 months
Longest loan term12.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months50%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 50,000
Maximum loan size7,500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00010%
RWF 500,000-1,500,00020%
RWF 1,500,000-2,500,00010%
RWF 2,500,000-3,500,00020%
RWF 3,500,000-4,500,00020%
Greater than RWF 4,500,00020%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less20%
Between 4 and 6 months30%
Between 7 and 9 months30%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest35.00%
Highest quoted nominal interest35.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPaquete de Seguro Desgravamen y Vida
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2.50
Fixed amount - max2.50
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaFirst cycle loans: 0% upfront deposit requirement. Multiple cycle loans - 20% upfront deposit requirement
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0.06%
Maximum interest rate paid0.80%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Term
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionStationery
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min05,000
Fixed amount - max010,000
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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 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 paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Banca Comunal Rural samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 1,000BOB 3,000BOB 5,000BOB 7,000BOB 9,000BOB 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-062013-12-062013-12-062013-12-062013-12-062013-12-06
Loan Term (Months)7.0 months5.6 months7.0 months11.0 months5.6 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 146BOB 307.32BOB 651.68BOB 1,328.64BOB 891.96BOB 2,999.96
True Price by Comp           
Interest price component35.0%35.1%35.0%35.0%35.0%35.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component5.3%1.7%1.1%0.8%0.6%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.8%2.5%22.8%22.5%21.9%22.2%
Full APR (int fee ins tax dep)43.1%39.3%58.9%58.3%57.5%57.6%
Transparency Index818959606161
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Agriculture/Elevage Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 113,900RWF 200,000RWF 516,000RWF 918,000RWF 1,600,000RWF 2,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-07-072009-10-292010-12-102010-08-142010-07-162010-09-11
Loan Term (Months)8.0 months12.0 months12.0 months6.0 months6.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component23.5%16.1%13.0%88.5%86.4%11.9%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component3.8%3.6%2.9%16.3%15.9%2.7%
Full APR (int fee ins tax dep)27.4%19.7%15.9%104.9%102.3%14.6%
Transparency Index881001002323100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Banca Comunal Rural Price Graphs


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Agriculture/Elevage Loan Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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