| 52 |
| RWF 500,000 - 1,500,000 |
| 1 |
| Credit Educ, Credit Ins, Business Training |
| 96.00% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| 21.3% - 93.8% |
| 0 - 2.7% |
| 0 - 0.6% |
| 0 - 0.6% |
| 93.8% |
| 0 |
| 100 |
| Outstanding portfolio (KES) | KES 10,663,461.57 |
| Portfolio (USD) | USD 128,785.77 |
| Active Clients with Loans | 20 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| 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 | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 4 |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (RWF) | RWF 38,000,000 |
| Portfolio (USD) | USD 63,333 |
| Active Clients with Loans | 52 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 10 |
| # Regions for this product | 10 |
| Regions Active | Gakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango |
| Currency | RWF |
| Minimum loan size | RWF 500,000 |
| Maximum loan size | 1,500,000 |
| Loans less than RWF 500,000 | 0 |
| RWF 500,000-1,500,000 | 100% |
| RWF 1,500,000-2,500,000 | 0 |
| RWF 2,500,000-3,500,000 | 0 |
| RWF 3,500,000-4,500,000 | 0 |
| Greater than RWF 4,500,000 | 0 |
| Shortest loan term | 1.0 month |
| Longest loan term | 1.0 month |
| Approx average | 1.0 month |
| Loans 3 months or less | 100% |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 8.00% |
| Highest quoted nominal interest | 8.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | RWF 500,000 | RWF 500,000 | RWF 1,000,000 | RWF 1,000,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2012-09-10 | 2012-09-10 | 2012-09-10 | 2012-09-10 | |||
| Loan Term (Months) | 1.0 month | 1.0 month | 1.0 month | 1.0 month | |||
| Grace Period (Months) | 1.0 month | 1.0 month | 1.0 month | 1.0 month | |||
| Total Cost of Credit | RWF 40,000 | RWF 40,000 | RWF 80,000 | RWF 80,000 | |||
| True Price by Comp | |||||||
| Interest price component | 93.8% | 93.8% | 93.8% | 93.8% | |||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Full APR (int fee ins tax dep) | 93.8% | 93.8% | 93.8% | 93.8% | |||
| Transparency Index | 0 | 0 | 0 | 0 | |||
| 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 ∞ | ||||||
