| Outstanding portfolio (ETB) | ETB 958,500 |
| Portfolio (USD) | USD 52,092.39 |
| Active Clients with Loans | 38 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.acb.rw |
| Year established | 2006 |
| Head of Institution | Froduald Munyankiko |
| Regions active | Bugesera, Kicukiro |
| # Branches | 6 |
| Total Portfolio (nat'l) | RWF 930,061,222 |
| Total Portfolio (USD) | USD 1,476,287.65 |
| Active clients with loans | 4,335 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | AMIR, Terrafina |
| Funders | African Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Curuza (Business) MT & LT | RWF 100,000 - 10,000,000 | 4 - 36 | 0% - 20% | 80% - 100% | Business | Men, Have business | ||||||||
| Hembwa Wage MT & LT | RWF 10,000 - 5,000,000 | 1 - 36 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Kaze (Solidarity Group) GS & GS-PU | RWF 10,000 - 500,000 | 4 - 12 | 0% - 20% | 0% - 20% | Business, Housing, Education | Men, Have business | ||||||||
| Tunga Women MT & LT | RWF 100,000 - 10,000,000 | 1 - 36 | 80% - 100% | 40% - 60% | Any Purpose | Women, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Curuza (Business) MT & LT | 15.00%-60.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | 20.00% upfront | 28.4% - 73.8% | 43.3% - 96.6% | 24 | ||||||||
| Hembwa Wage MT & LT | 15.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | N/A | 28.4% - 41.4% | 29.5% - 45.1% | 44 | ||||||||
| Kaze (Solidarity Group) GS & GS-PU | 30.00% annual, Flat | 2 Fees | 0 Ins | 18.00% fees | N/A | 52% - 69.5% | 56.7% - 73.3% | 47 | ||||||||
| Tunga Women MT & LT | 14.00%-60.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | 10.00% upfront | 27.3% - 68.4% | 34.7% - 79% | 25 |
| Key Statistics | |
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| # Samples: | |
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| # 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 |
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