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. ACB-SA
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

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 143 months
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Product Summary

137
RWF 100,000 - 10,000,000
1 - 36
14.00%-60.00% annual, Flat
2 fees
0.12%-10.45% upfront
18.00% fees
10.00% upfront
 
22.9% - 57.1%
2.1% - 24.7%
0 - 0.8%
0.5% - 4.7%
34.7% - 79.0%
16 - 53
25

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (PKR)PKR 88,515
Portfolio (USD)USD 903.21
Active Clients with Loans11
Approximate % Female Clients0
Approximate % Urban Clients0
Description
Limited loans are sanctioned for different purposes ie self employment and income is generated
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
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 institution1
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 169,101,065
Portfolio (USD)USD 268,414
Active Clients with Loans137
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product for women who have a microenterprise, excluding agriculture and livestock.
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
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 product5
Regions ActiveBugesera, Kicukiro, Nyarugenge, Rubavu, Rusizi

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 100,000
Maximum loan size10,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00010%
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 term1.0 month
Longest loan term36.0 months
Approx average19.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months0
Between 10 and 12 months50%
Between 13 and 18 months15%
Longer than 18 months30%
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 paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest14.00%
Highest quoted nominal interest60.00%
Reason(s) why interest rate varies14% flat for LT (>4 months). 48% flat for monthly ST (< 3 months). 60% flat for single-end ST (< 3 months)
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionLoan Application & Collateral Visit Fee
% of loan amount - min1.50%0
% of loan amount - max1.50%0
OR, Fixed amount - min015,000
Fixed amount - max015,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommission on Insurance
% of loan amount - min0.12%
% of loan amount - max10.45%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
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

Tunga Women MT & LT samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 300,000RWF 500,000RWF 500,000RWF 2,000,000RWF 2,000,000RWF 4,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-10-112012-09-212012-06-112012-08-032012-04-182012-08-02
Loan Term (Months)12.0 months7.0 months12.0 months3.1 months12.0 months2.0 months
Grace Period (Months)1.0 month1.0 month1.0 month3.1 months1.0 month2.0 months
Total Cost of CreditRWF 66,008.99RWF 68,881.60RWF 98,214.98RWF 357,095.48RWF 319,759.90RWF 494,494.40
True Price by Comp           
Interest price component24.7%23.8%24.6%55.5%22.9%57.1%
Fee Component13.0%14.3%8.9%9.0%4.4%11.3%
Insurance Component0.6%0.8%0.6%0.7%0.5%0.8%
Tax Component2.6%2.8%1.8%1.8%0.9%2.2%
Deposit Component8.6%8.5%7.4%7.0%6.0%7.6%
Full APR (int fee ins tax dep)49.5%50.2%43.3%74.0%34.7%79.0%
Transparency Index282832194018
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Tunga Women MT & LT 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
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