2. CooP VPR
Please note that the information you are viewing is 175 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COOPEDU
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorro y Crédito Padre Vicente Ponce 10 de Agosto y Olmedo, Edif. Episcopal 3er. PisoTulcán, Carchi
Data approved: 2011-10-11
Data version: 1
Age of data: 175 months

Institution

COOPEDU District KICUKIROKIGALIB.P 4053 KIGALI
Data approved: 2011-09-16
Data version: 1
Age of data: -   months 
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Product

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Product

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Product Summary

Number borrowers636
Loan Amount (range)USD 200 - 3,030
Loan Term (range)4 - 36
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Other Training, Formación y capacitación en diversos temas
Annual Interest & Method18.8% annual, Decl Bal
FeesNone
Insurance5.32% ongoing
TaxNone
Comp Dep12.5% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component18.8% - 20.0% (Int+Fee)
Insurance Component1.0% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)22.3% - 26.4%
Transparency Index (min/max)0 - N/A
Transparency Index (average)76

Product Summary

7
0
0
0.00% annual, 0
 
N/A
21.0% - 21.7% (Int+Fee)
0 - 22.8%
-22.8% - 11.7%
34.3% - 37.9%
0 - N/A

Product Details

Key Statistics
Outstanding portfolio (USD)USD 915,386
Portfolio (USD)USD 915,386
Active Clients with Loans636
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
Entregado a cada socio, con el amparo de su grupo solidario o en forma individual, con garantía personal. Dirigido a financiar cualquier necesidad productiva de nuestros socios.
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 visitsx
Business trainingx
Other trainingx
OtherFormación y capacitación en diversos temas
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCarchi

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 20,249,410
Portfolio (USD)USD 34,321
Active Clients with Loans7
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Cr?dit octroy? aux hommes ou aux femmes pour acheter un v?hicule, moto, etc. Le v?hicule achet? constitu la garantie.\r
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 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 200
Maximum loan size3,030
Distribution at Disbursement (Est.)
Loans less than USD 1,50050%
USD 1,500-5,00050%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average12.3 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months10%
Between 10 and 12 months30%
Between 13 and 18 months10%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
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 paymentsx

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan size0
Maximum loan size0
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.81%
Highest quoted nominal interest18.81%
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
DescriptionSeguro de desgravamen para el saldo del prestamo
% of loan amount - min5.32%
% of loan amount - max5.32%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited12.50%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest0
Highest quoted nominal interest0
Interest rate period
Interest Rate Calculation Method0
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
DescriptionCommission sur credit
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAssurance sur credit - depends on age, loan amount, loan term
% of loan amount - min1.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
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

Full Pricing Data

Crédito PRODUCIR samples
Sample 1Sample 2Sample 3
Loan AmountUSD 404USD 1,010USD 2,020
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-07-192011-07-062011-07-06
Loan Term (Months)12.0 months6.0 months24.0 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 Component20.0%18.8%19.5%
Insurance Component1.1%1.0%1.0%
Tax Component0.0%0.0%0.0%
Deposit Component5.3%2.5%5.0%
Full APR (int fee ins tax dep)26.4%22.3%25.6%
Transparency Index718474
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Credit Deplacement samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 1,260,000RWF 2,800,000RWF 3,600,000RWF 3,600,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)18.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.7%21.1%21.2%21.0%
Insurance Component0.5%1.4%0.1%2.3%
Tax Component0.2%0.1%0.1%0.1%
Deposit Component15.3%13.7%12.9%14.3%
Full APR (int fee ins tax dep)37.8%36.4%34.3%37.9%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Crédito PRODUCIR Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeCooP VPRInstitutionEC-013-V01-P03ProductECCountry2011YearRange Number1Institution Data Version05001,0001,5002,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 30010010Number 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
Credit Deplacement Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeBusinessLoan PurposeCOOPEDUInstitutionRW-004-V01-P03ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 420Number 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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X Axis
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Total Borrrowers of Samples
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By Inst Type
By Country

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