2. CEPESIU
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wisigara
Please note that the information you are viewing is 149 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 176 months

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

Programa de Crédito Individual (PCI) Product 2 of 4 « Prev | Next »

Product

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Product Summary

Number borrowers176
Loan Amount (range)USD 500 - 3,000
Loan Term (range)6 - 18
Other Services (text summary)Tech Asst Visits
Annual Interest & Method28.6% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep12.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component15.2% - 19.8% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)15.2% - 25.2%
Transparency Index (min/max)87 - 188
Transparency Index (average)100

Product Summary

53
RWF 20,000 - 2,000,000
3 - 12
24.00% annual, Decl Bal
 
N/A
0 - 28.9% (Int+Fee)
0 - 32.4%
-32.4% - 0
34.9% - 41.8%
4 - 69

Product Details

Key Statistics
Outstanding portfolio (USD)USD 157,302.20
Portfolio (USD)USD 157,302.20
Active Clients with Loans176
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto orientado a atender a las microempresas de acumulación simple y ampliada, que demuestren mayor capitalizacion, análisis individualizado, garantías personales y prendarias
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 training
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
OtherBuena calificacion en la Central de Riesgos
Other (2)Negocios establecidos un año
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 89,140,696
Portfolio (USD)USD 151,086
Active Clients with Loans53
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Product for commerce activity, such as buying and selling crops and other items in the market.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average9.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 20,000
Maximum loan size2,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.56%
Highest quoted nominal interest28.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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
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?
Deposit BEFORE or AT Disbursement
% loan amount deposited12.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Cepesiu no puede captar ahorros, se trata de un FONDO DE GARANTIA, que es devuelto cuando deudor y miembros de grupo han cancelado sus obligaciones.

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
Descriptionprocessing feepaper fees
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min0200
Fixed amount - max0200
Reason for variation
Appears on Repayment Sched?NoNo
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid8.00%
Maximum interest rate paid8.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Programa de Crédito Individual (PCI) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,136.36USD 2,500USD 3,050
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-302010-08-062010-09-17
Loan Term (Months)12.0 months3.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component19.8%15.2%18.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component5.4%0.0%0.6%
Full APR (int fee ins tax dep)25.2%15.2%18.6%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Commerce Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 200,000RWF 1,000,000RWF 1,000,000RWF 1,916,667RWF 2,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-07-302012-07-232012-01-112012-07-31N/A
Loan Term (Months)6.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component28.2%28.9%26.0%25.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%25.9%
Tax Component0.0%0.0%0.0%0.0%-25.9%
Deposit Component6.7%12.9%10.4%9.9%36.3%
Full APR (int fee ins tax dep)34.9%41.8%36.3%34.9%36.3%
Transparency Index6957666966
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Programa de Crédito Individual (PCI) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCEPESIUInstitutionEC-004-V01-P02ProductECCountry2010YearRange Number1Institution Data Version01,0002,0003,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 80405Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Commerce Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeWisigaraInstitutionRW-010-V01-P02ProductRWCountry2011YearRange Number1Institution Data Version0500,0001,000,0001,500,0002,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1081Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
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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