- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AgroCapital	21,900	16,894,000	11	176
ANED	5,400	6,579,000	3	134
Banco FIE	231,100	569,322,000	6	134
BancoSol	215,300	861,418,000	30	134
CIDRE	8,500	126,578,000	8	134
Coop Fatima	6,300	44,280,000	7	176
CRECER	166,900	134,626,000	13	134
Diaconia	67,000	85,734,000	2	134
Ecofuturo	59,200	226,839,000	5	134
EMPRENDER	8,700	2,380,000	3	176
Fassil FFP	57,600	325,081,000	5	134
FONCRESOL	3,900	9,573,000	3	134
FONDECO	14,200	24,274,000	3	134
Fortaleza	20,100	164,530,000	13	134
FUBODE	29,400	24,444,000	7	134
FUNBODEM	8,600	15,798,000	9	134
IDEPRO	10,400	40,479,000	2	134
IMPRO	2,400	2,885,000	4	134
ProCredit	84,300	257,487,000	8	176
PRODEM	44,900	62,529,000	4	134
ProMujer BOL	115,200	50,753,000	3	134
Sartawi	14,600	26,842,000	8	134

Please note that the information you are viewing is 147 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPEDU District KICUKIROKIGALIB.P 4053 KIGALI

Data approved: 2011-09-16

Data version: 1

Age of data: - months

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Product

Credit Ordinaire Product 8 of 9 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (RWF)	RWF 1,660,253,553
Portfolio (USD)	USD 2,813,989
Active Clients with Loans	654
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Cr?dit octroy? aux hommes et aux femmes et dont la garantie exig?e est un bien immeble ou la garantie num?raire. Le plafond est de 30 000 000 Frw.\r

Loan Purpose

Any purpose	x
Income generation	x
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	RWF
Minimum loan size	RWF 300,000
Maximum loan size	2,000,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	60.0 months
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	90%
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.70%
Highest quoted nominal interest	1.70%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Commission sur credit
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Assurance sur credit - depends on age, loan amount, loan term
% of loan amount - min	1.00%
% of loan amount - max	10.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

Credit Ordinaire samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	RWF 500,000	RWF 1,000,000	RWF 2,000,000	RWF 3,000,000	RWF 4,000,000
Loan Cycle (1, 2, 3, etc)	1	1	1	1	1
Disbursement Date	2012-05-14	2012-05-18	2012-04-30	2012-03-19	2012-02-22
Loan Term (Months)	12.0 months	12.0 months	24.0 months	36.0 months	36.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	22.4%	22.4%	21.5%	21.1%	0.0%
Insurance Component	1.0%	1.2%	0.8%	0.6%	22.8%
Tax Component	0.4%	0.4%	0.2%	0.1%	-22.8%
Deposit Component	0.0%	0.0%	0.0%	0.0%	22.9%
Full APR (int fee ins tax dep)	23.8%	24.0%	22.5%	21.8%	22.9%
Transparency Index	86	85	91	94	89

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Credit Ordinaire Price Graphs

Loan Size/

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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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Total Borrrowers of Samples


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