2. AMOS
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COOJAD
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

Association de Microfinance Oued Srou 2,Rue Oued SbouQuartier Ettakadoum Elkbab CentreKhénifra, Région Mèknès Tafilalet
Data approved: 2013-05-13
Data version: 1
Age of data: 140 months

Institution

COOPERATIVE DE LA JEUNEUSE POUR L AUTO D'EMPLOI ET DEVELOPEMENT P.O.Box 3739KIGALI250
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
Choose version

Product

Produit Solidaire Product 1 of 2 « Prev | Next »

Product

Transport Loan Product 5 of 5 « Prev | Next »

Product Summary

Number borrowers1,774
Loan Amount (range)MAD 1,000 - 5,000
Loan Term (range)4 - 12
Other Services (text summary)
Annual Interest & Method21.6% annual, Flat
Fees15.00 upfront
InsuranceNone
TaxNone
Comp Dep1.00%-1.50% ongoing
Range of pricing 
Interest Price Component30.9% - 37.5%
Fee Component0.6% - 3.0%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)43.0% - 44.5%
Transparency Index (min/max)48 - 57
Transparency Index (average)49

Product Summary

45
0
0
0.00% annual, 0
 
N/A
19.8% - 45.6% (Int+Fee)
0 - 7.2%
0
33.2% - 65.5%
0 - N/A

Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 2,526,657
Portfolio (USD)USD 297,253.76
Active Clients with Loans1,774
Approximate % Female Clients0
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Produit destiné aux femmes appartenats à un groupe solidaire ,composé de 3 à 6 membres .Les activités à financer sont : l'artisanat ,le commerce ,l'agriculture ,les services.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
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 servicesx
Eligibility
Men
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 institution2
# Regions for this product2
Regions ActiveBeni Mellal-Khenifra, Drâa-Tafilalt

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 47,079,560
Portfolio (USD)USD 79,796
Active Clients with Loans45
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Tout pr?t en rapport avec l'activit? commerciale de transport comme un v?hicule de taxi voiture, de taxi moto, de v?lo moteur, camionnette.\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
CurrencyMAD
Minimum loan sizeMAD 1,000
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,000100%
MAD 5,000-15,0000
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months20%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
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 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 interest1.80%
Highest quoted nominal interest1.80%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionFrais de dossier
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min15
Fixed amount - max15
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Criteria1% deposit required for loans < MAD 2000 ; 1,5 % for other loans.
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00% - 1.50%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
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 1Fee 2
DescriptionEtudeProcessing fee
% of loan amount - min1.50%1.00%
% of loan amount - max1.50%1.00%
OR, Fixed amount - min00
Fixed amount - max00
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 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

Produit Solidaire samples
Sample 1Sample 2Sample 3
Loan AmountMAD 1,000MAD 2,000MAD 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-042013-02-142013-06-06
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months0.0 months
Total Cost of CreditMAD 231MAD 447MAD 1,095
True Price by Comp     
Interest price component37.1%37.5%37.1%
Fee Component3.0%1.5%0.6%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component3.6%5.5%5.3%
Full APR (int fee ins tax dep)43.7%44.5%43.0%
Transparency Index494850
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Transport Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 124,000RWF 300,000RWF 500,000RWF 1,300,000RWF 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-172010-09-022011-02-122011-01-202011-02-12
Loan Term (Months)7.0 months3.0 months12.0 months12.0 months36.0 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 Component38.6%45.6%21.0%22.1%19.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component26.9%15.0%16.4%16.4%13.4%
Full APR (int fee ins tax dep)65.5%60.5%37.5%38.5%33.2%
Transparency IndexN/AN/AN/AN/AN/A
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Produit Solidaire Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeAMOSInstitutionMA-004-V01-P01ProductMACountry2013YearRange Number1Institution Data Version01,0002,0003,0004,0005,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,7001,30080040040Number of Borrowers
Click to view Price Analysis Tool
Transport Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeBusinessLoan PurposeCOOJADInstitutionRW-005-V01-P05ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 20101Number 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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞