2. RCDS
Please note that the information you are viewing is 128 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Rural Community Development Society 1st Floor, Hajvery Plaza, Bara Dari Road, Begum Kot, ShahdaraLahore, Punjab54000
Data approved: 2013-08-02
Data version: 1
Age of data: 128 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.rcdspk.org
Year established1998
Head of InstitutionMuhammad Murtaza
Regions activePunjab
# Branches20

Total Portfolio (nat'l)PKR 443,135,230
Total Portfolio (USD)USD 4,521,788.06
Active clients with loans31,965
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsPMN, PMFN, BWTP, PCP
FundersPPAF, ASF, UNDP, Engro Foundation

Loan Products » Summary

CED
28,459 Borrowers
USD 3,189,452.25 Portfolio
Active Product
EDF
1,740 Borrowers
USD 749,178.26 Portfolio
Active Product
LSF
1,693 Borrowers
USD 529,232.69 Portfolio
Active Product
SME
73 Borrowers
USD 53,924.88 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credit & Enterprise Development PKR 5,000 - 75,000 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Enterprise Development Facility PKR 70,000 - 150,000 18 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Live Stock Financing PKR 40,000 - 100,000 18 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Strengthening Micro Enterprises PKR 100,000 - 300,000 24 0% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land, Specific age group Credit Educ, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credit & Enterprise Development 20.0% annual, Flat 1 Fee 0 Ins None N/A 44.7% - 48% 44.7% - 48% N/A
Enterprise Development Facility 15.0% annual, Flat 1 Fee 0 Ins None N/A 33.5% 33.5% N/A
Live Stock Financing 15.0% annual, Flat 1 Fee 0 Ins None N/A 33.5% - 34.9% 33.5% - 34.9% N/A
Strengthening Micro Enterprises 15.0% annual, Flat 1 Fee 0 Ins None N/A 30.7% - 31.8% 30.7% - 31.8% N/A
Institution Price Graph
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  2. COOPEDU
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 139 months
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Product

Credit Ordinaire Product 8 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 3,973,764,195
Portfolio (USD)USD 6,307,562
Active Clients with Loans994
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit octroye aux hommes et aux femmes et dont la garantie exigee est un bien immeble ou la garantie numeraire. Le plafond est de 30 000 000 Frw.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
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 institution2
# Regions for this product4
Regions ActiveGasabo, Kicukiro, Nyarugenge, Rwamagana

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 500,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,0000
RWF 500,000-1,500,00010%
RWF 1,500,000-2,500,00010%
RWF 2,500,000-3,500,00010%
RWF 3,500,000-4,500,00010%
Greater than RWF 4,500,00010%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
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 interest1.70%
Highest quoted nominal interest1.70%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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 variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAssurance sur credit
% of loan amount - min0.17%
% of loan amount - max8.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
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?Yes
Percentage of fees18%
All or some fees taxedAll
Additional Comments
APR calcs have used insurance rates applicable to a 30 year old client

Full Pricing Data

Credit Ordinaire samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 500,000RWF 1,000,000RWF 2,000,000RWF 2,800,000RWF 4,000,000
Loan Cycle (1, 2, 3, etc)11111
Disbursement Date2012-05-142012-05-182012-04-302012-03-192012-02-22
Loan Term (Months)12.0 months12.0 months24.0 months24.0 months37.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditRWF 64,201.20RWF 128,404RWF 486,656.20RWF 681,318.08RWF 1,460,668.80
True Price by Comp         
Interest price component20.1%20.1%20.2%20.2%20.3%
Fee Component2.0%2.0%1.0%1.0%0.7%
Insurance Component0.4%0.4%0.5%0.5%0.5%
Tax Component0.4%0.4%0.3%0.3%0.2%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.9%22.9%22.0%22.0%21.7%
Transparency Index8989939394
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Credit Ordinaire Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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