2. TRDP
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Urwego

Institution

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 113 months
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Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 1900-01-00
Data version: 3
Age of data: -   months 
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Product

Agriculture Loans Product 3 of 3 « Prev | Next »

Product

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Product Summary

Number borrowers8,264
Loan Amount (range)PKR 5,000 - 40,000
Loan Term (range)4 - 8
Other Services (text summary)Credit Educ
Annual Interest & Method18.0% annual, Flat
Fees2.00% upfront
Insurance125.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.6% - 31.2%
Fee Component2.0% - 7.5%
Insurance Component0.3% - 2.7%
Tax Component Range0
Full APR (int fee ins tax dep)20.6% - 24.0%
Transparency Index (min/max)48 - 95
Transparency Index (average)80

Product Summary

255
RWF 50,000 - 5,000,000
3 - 36
18.0%-20.0% annual, Decl Bal
upfront
None
None
N/A
 
18.3% - 49.1%
1.5% - 8.1%
0 - 1.1%
0 - 1.6%
22.1% - 25.9%
30 - 81
75

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 158,272,917
Portfolio (USD)USD 1,554,240.05
Active Clients with Loans8,264
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Agriculture Loan is offered to small land owners for cultivation, pestisides and Seed.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
Must own a home or landx
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 ActiveSindh

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 87,601,095
Portfolio (USD)USD 136,876.71
Active Clients with Loans255
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are offered to salaried workers, college students and household finance.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution30
# Regions for this product4
Regions ActiveGasabo, Kicukiro, Musanze, Nyarugenge

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size40,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months90%
Between 7 and 9 months10%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 50,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00080%
RWF 500,000-1,500,00010%
RWF 1,500,000-2,500,0000
RWF 2,500,000-3,500,0005%
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months5%
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months5%
Longer than 18 months50%
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionHealth and Accidental Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min125
Fixed amount - max125
Reason for variationN/A
Appears on Repayment Sched?Yes
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?No

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest20.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan processing fees
% of loan amount - min0
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationExcluding VAT
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 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?No

Full Pricing Data

Agriculture Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 10,000 Generated 2015-05-01 5.9 months N/A PKR 1,212.67 24.0% 17.2% 4.1% 2.7% 0.0% 0.0% 75 - PDF
PKR 20,000 Generated 2015-05-01 5.9 months N/A PKR 2,300.34 22.6% 17.2% 4.1% 1.3% 0.0% 0.0% 79 - PDF
PKR 25,000 Generated 2015-05-01 5.9 months N/A PKR 2,844.18 22.4% 17.2% 4.1% 1.1% 0.0% 0.0% 80 - PDF
PKR 28,000 Generated 2015-05-01 5.9 months N/A PKR 3,170.48 22.3% 17.2% 4.1% 1.0% 0.0% 0.0% 81 - PDF
PKR 32,000 Generated 2015-05-01 5.9 months N/A PKR 3,605.55 22.2% 17.2% 4.1% 0.9% 0.0% 0.0% 81 - PDF
PKR 35,000 Generated 2015-05-01 5.9 months N/A PKR 3,931.85 22.1% 17.2% 4.1% 0.8% 0.0% 0.0% 81 - PDF
PKR 38,000 Generated 2015-05-01 5.9 months N/A PKR 4,258.15 22.0% 17.2% 4.1% 0.7% 0.0% 0.0% 82 - PDF
PKR 40,000 Generated 2015-05-01 7.9 months N/A PKR 5,659.25 20.6% 17.0% 3.1% 0.5% 0.0% 0.0% 87 - PDF

Full Pricing Data

Micro Consumer Loans samples
Sample 1Sample 2
Loan AmountRWF 420,000RWF 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2014-08-042014-08-26
Loan Term (Months)12.0 months7.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditRWF 51,468RWF 8,777
True Price by Comp   
Interest price component18.3%19.8%
Fee Component3.8%6.1%
Insurance Component0.0%0.0%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)22.1%25.9%
Transparency Index8169
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Agriculture Loans Price Graphs


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Micro Consumer Loans Price Graphs


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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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