2. SVDP
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COOPEDU
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 132 months

Institution

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 143 months
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Product

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Product

Avance Sur Salaire Product 1 of 9 « Prev | Next »

Product Summary

Number borrowers774
Loan Amount (range)PKR 10,000 - 70,000
Loan Term (range)12
Other Services (text summary)
Annual Interest & Method21.0%-24.0% annual, Flat
Fees3.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component22.8% - 34.9%
Fee Component3.0% - 6.0%
Insurance Component0 - 3.2%
Tax Component Range0
Full APR (int fee ins tax dep)40.7% - 40.9%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

266
RWF 150,000 - 3,500,000
6 - 24
20.40% annual, Decl Bal
1.00% upfront
0.09%-6.02% upfront
18.00% fees
N/A
 
16.7% - 48.1%
0.7% - 4.8%
0.4% - 2.8%
0.1% - 1.2%
21.5% - 22.5%
0 - 95
92

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 13,858,014
Portfolio (USD)USD 141,408.31
Active Clients with Loans774
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan product is available for small businessmen and petty traders on the same terms and condition for a period of 12 months.
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 servicesx
Eligibility
Menx
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 institution1
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 147,562,778
Portfolio (USD)USD 234,227
Active Clients with Loans266
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit octroye aux membres de la COOPEDU dont le salaire est verse mensuellement sur leur compte e la COOPEDU. Le salaire constitu la garantie
Loan Purpose
Any purposex
Income generation
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 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 institution2
# Regions for this product3
Regions ActiveGasabo, Kicukiro, Nyarugenge

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00040%
PKR 25,000-50,00050%
PKR 50,000-75,0005%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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 sizeRWF 150,000
Maximum loan size3,500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00020%
RWF 1,500,000-2,500,00030%
RWF 2,500,000-3,500,00030%
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 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 months20%
Between 13 and 18 months50%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0.3 months
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 interest21.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAgreement Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
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
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

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 - min0.09%
% of loan amount - max6.02%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on age, loan amount, loan term
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 calculations have used insurance rates applicable to a 30 year old client

Full Pricing Data

Trade Business samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 25,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-02-282014-01-272014-02-18
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months-0.1 months
Total Cost of CreditPKR 2,300PKR 5,750PKR 11,500
True Price by Comp     
Interest price component34.9%34.7%34.9%
Fee Component6.0%6.0%6.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.9%40.7%40.9%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Avance Sur Salaire samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 261,600RWF 487,200RWF 1,044,000RWF 2,000,000
Loan Cycle (1, 2, 3, etc)1111
Disbursement Date2012-03-272012-02-222012-01-262011-11-24
Loan Term (Months)12.0 months18.0 months25.0 months18.0 months
Grace Period (Months)1.0 month1.0 month1.3 months1.0 month
Total Cost of CreditRWF 32,988.68RWF 88,448.61RWF 253,623.48RWF 363,100
True Price by Comp       
Interest price component19.7%19.9%19.7%19.8%
Fee Component1.9%1.3%1.1%1.4%
Insurance Component0.5%0.5%0.4%0.4%
Tax Component0.4%0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.5%22.0%21.5%21.9%
Transparency Index91939593
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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