Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
ACLEDA | 235,200 | 215,086,000 | 6 | 165 |
AMK | 288,200 | 63,784,000 | 16 | 136 |
AMRET | 299,500 | 149,542,000 | 8 | 136 |
Chamroeun | 48,100 | 7,480,000 | 4 | 117 |
Farmer Finance | 200 | 407,000 | 1 | 136 |
First Finance | 500 | 5,819,000 | 1 | 136 |
HKL | 73,400 | 93,842,000 | 3 | 136 |
KREDIT | 61,800 | 59,319,000 | 9 | 136 |
Maxima | 2,900 | 3,179,000 | 3 | 136 |
PRASAC | 138,500 | 251,931,000 | 9 | 136 |
Seilanithih | 15,200 | 7,516,000 | 5 | 136 |
SPN | 35,100 | 29,828,000 | 6 | 136 |
TPC | 120,000 | 45,931,000 | 13 | 136 |
VF Cambodia | 148,600 | 48,984,000 | 18 | 136 |
Outstanding portfolio (RWF) | RWF 57,822,966 |
Portfolio (USD) | USD 91,782 |
Active Clients with Loans | 68 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 40% - 60% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
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) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Gasabo, Kicukiro, Nyarugenge |
Currency | RWF |
Minimum loan size | RWF 500,000 |
Maximum loan size | 5,000,000 |
Loans less than RWF 500,000 | 0 |
RWF 500,000-1,500,000 | 20% |
RWF 1,500,000-2,500,000 | 20% |
RWF 2,500,000-3,500,000 | 20% |
RWF 3,500,000-4,500,000 | 20% |
Greater than RWF 4,500,000 | 20% |
Shortest loan term | 12.0 months |
Longest loan term | 36.0 months |
Approx average | 24.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 40% |
Longer than 18 months | 20% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 16.00% |
Highest quoted nominal interest | 18.00% |
Reason(s) why interest rate varies | Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Commission Fee | Processing Fee | |
% of loan amount - min | 1.00% | 1.50% | |
% of loan amount - max | 1.00% | 1.50% | |
OR, Fixed amount - min | 0 | 0 | |
Fixed amount - max | 0 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | No | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 25.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | RWF 5,000,000 | RWF 5,000,000 | RWF 3,500,000 | RWF 1,250,000 | |||
Loan Cycle (1, 2, 3, etc) | 3 | 1 | 0 | 3 | |||
Disbursement Date | 2012-07-11 | 2012-07-06 | 2012-07-19 | 2012-08-01 | |||
Loan Term (Months) | 37.0 months | 37.0 months | 37.0 months | 13.0 months | |||
Grace Period (Months) | 0.1 months | 0.0 months | 1.8 months | 0.5 months | |||
Total Cost of Credit | RWF 2,186,904 | RWF 2,186,904 | RWF 1,530,840 | RWF 218,750 | |||
True Price by Comp | |||||||
Interest price component | 22.9% | 23.7% | 22.8% | 24.5% | |||
Fee Component | 1.8% | 1.9% | 1.7% | 4.6% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 14.5% | 15.4% | 14.4% | 19.5% | |||
Full APR (int fee ins tax dep) | 39.2% | 41.0% | 38.9% | 48.6% | |||
Transparency Index | 41 | 39 | 41 | 33 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |