- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	164
AJDFI	13,100	884,000	6	164
ARDCI	44,600	9,403,000	1	164
ASA Philippines	333,400	29,282,000	1	164
ASHI	35,400	5,231,000	6	164
ASKI	60,000	15,247,000	4	164
Bangko Kabayan	8,900	2,373,000	2	164
BSEI	600	73,000	2	164
CBI	8,100	2,010,000	5	164
CCT	70,300	9,504,000	4	164
CEV	35,400	5,111,000	4	164
DSPI	59,300	3,676,000	3	164
ECLOF	5,400	1,836,000	4	164
FCB	12,000	2,392,000	2	164
FMB	2,700	710,000	2	164
GM Bank	23,500	1,553,000	3	164
HSPFI	19,100	1,899,000	2	164
JVOFI	1,300	281,000	1	164
Katipunan Bank	42,100	5,325,000	2	164
KDCI	20,500	2,095,000	3	164
KGI	32,300	3,421,000	4	164
KMBI	245,000	15,098,000	1	164
LTMPC	37,400	8,935,000	3	164
Mallig Plains	6,500	641,000	2	164
MILAMDEC	29,800	3,278,000	2	164
MWIMPC	11,800	1,740,000	4	163
NWTF	105,500	12,698,000	5	164
OFMPC	4,400	964,000	1	164
PBC	50,700	10,434,000	4	164
PCSD	700	167,000	1	164
PMPC	23,500	5,565,000	8	164
RB Angeles	900	1,502,000	2	164
RB Labason	500	289,000	1	164
RBLI	5,200	1,026,000	2	164
RBMI	11,900	1,750,000	2	164
RMB	100	173,000	1	164
RSPI	39,600	2,834,000	4	164
SAFRAGEMC	1,100	229,000	1	164
Salve	10,900	1,191,000	3	164
SEDP	27,000	3,914,000	3	164
TSKI	212,900	25,187,000	2	164
TSPI	264,500	31,290,000	7	164
Valient	1,700	672,000	2	164

Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amasezerano Community Bank P.O.Box 4691KIGALIP.O.Box 4691

Data approved: 2011-10-26

Data version: 1

Age of data: - months

Download Data

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Product

Hembwa Wage Express Product 3 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (RWF)	RWF 29,199,690
Portfolio (USD)	USD 49,491
Active Clients with Loans	865
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Overdraft for small salaried people\r

Loan Purpose

Any purpose
Income generation
Mortgage/housing
Consumer loan	x
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker	x
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	RWF
Minimum loan size	RWF 5,000
Maximum loan size	500,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	3.0 months
Approx average	2.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	3.50%
Highest quoted nominal interest	3.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Commission + internal guarantee fund	Processing
% of loan amount - min	1.50%	0
% of loan amount - max	1.50%	0
OR, Fixed amount - min	0	1,000
Fixed amount - max	0	1,000
Reason for variation
Appears on Repayment Sched?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1	Ins 2
Description	Commission on insurance	Credit life: depends on loan amount, term and age of borrower
% of loan amount - min	0	0
% of loan amount - max	0	0
OR, Fixed amount - min	1,000	60
Fixed amount - max	1,000	1,014,620
Reason for variation
Appears on Repayment Sched?

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

Hembwa Wage Express samples

	Sample 1	Sample 2	Sample 3
Loan Amount	RWF 85,000	RWF 250,000	RWF 500,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)	3.0 months	3.0 months	3.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	80.1%	74.1%	76.8%
Insurance Component	0.0%	0.0%	7.1%
Tax Component	1.3%	1.2%	1.3%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	81.4%	75.3%	85.1%
Transparency Index	52	56	49

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Hembwa Wage Express Price Graphs

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

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

	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

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