- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AgroCapital	21,900	16,894,000	11	171
ANED	5,400	6,579,000	3	130
Banco FIE	231,100	569,322,000	6	130
BancoSol	215,300	861,418,000	30	130
CIDRE	8,500	126,578,000	8	130
Coop Fatima	6,300	44,280,000	7	171
CRECER	166,900	134,626,000	13	130
Diaconia	67,000	85,734,000	2	130
Ecofuturo	59,200	226,839,000	5	130
EMPRENDER	8,700	2,380,000	3	171
Fassil FFP	57,600	325,081,000	5	130
FONCRESOL	3,900	9,573,000	3	130
FONDECO	14,200	24,274,000	3	130
Fortaleza	20,100	164,530,000	13	130
FUBODE	29,400	24,444,000	7	130
FUNBODEM	8,600	15,798,000	9	130
IDEPRO	10,400	40,479,000	2	130
IMPRO	2,400	2,885,000	4	130
ProCredit	84,300	257,487,000	8	171
PRODEM	44,900	62,529,000	4	130
ProMujer BOL	115,200	50,753,000	3	130
Sartawi	14,600	26,842,000	8	130

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

Union des CLECAM Wisigara RUBAVUGISENYIGISENYI, WESTHERN588 GISENYI

Data approved: 2011-09-16

Data version: 1

Age of data: - months

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Product

Agriculture Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (RWF)	RWF 260,875,025
Portfolio (USD)	USD 442,161
Active Clients with Loans	1,529
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

A product focusing on farmers to increase the yield of the crops and technology, agrichain, processing, etc.\r

Loan Purpose

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

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits
Business training	x
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 20,000
Maximum loan size	1,000,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	6.0 months

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	10%
Average grace period	1.0 month

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	1.50%
Highest quoted nominal interest	2.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Processing Fee	paper fee
% of loan amount - min	1.00%	0
% of loan amount - max	1.00%	0
OR, Fixed amount - min	0	200
Fixed amount - max	0	200
Reason for variation
Appears on Repayment Sched?	No	No

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	20.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	8.00%
Maximum interest rate paid	8.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Agriculture Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	RWF 100,000	RWF 200,000	RWF 200,000	RWF 1,500,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2012-03-05	2012-10-19	2012-08-22	2012-08-06
Loan Term (Months)	12.0 months	6.0 months	6.0 months	24.0 months
Grace Period (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
True Price by Comp
Interest and Fee Component	19.5%	27.3%	27.8%	29.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	6.1%	4.4%	6.7%	13.7%
Full APR (int fee ins tax dep)	25.6%	31.7%	34.5%	42.7%
Transparency Index	6	5	4	4

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

Agriculture 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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


Avg
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Std Dev

By Inst Type


By Country

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