Amasezerano Community Bank - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 144 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 Head OfficeKigaliPO Box 4691

Data approved: 2012-10-17

Data version: 2

Age of data: 148 months

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Institution

Fusion Microfinance Pvt. Ltd. 303-304, 3rd Floor, Building No.2Community Center, Phase-1, NarainaNew Delhi, New Delhi110052

Data approved: 2011-08-08

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.acb.rw
Year established	2006
Head of Institution	Froduald Munyankiko
Regions active	Bugesera, Kicukiro
# Branches	6

Total Portfolio (nat'l)	RWF 930,061,222
Total Portfolio (USD)	USD 1,476,287.65
Active clients with loans	4,335
Approximate % female clients	20% - 40%
Approximate % urban clients	60% - 80%
Network affiliations	AMIR, Terrafina
Funders	African Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina

Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	Yes
Website address	http://www.fusionmicrofinance.com/
Year established	2010
Head of Institution	Devesh Sachdev
Regions active	0
# Branches	15

Total Portfolio (nat'l)	INR 154,045,112
Total Portfolio (USD)	USD 3,423,224.71
Active clients with loans	23,323
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN, India

Loan Products » Summary

Curuza

187 Borrowers

USD 337,908 Portfolio

Hembwa

1,067 Borrowers

USD 138,600 Portfolio

Kaze

2,764 Borrowers

USD 468,488 Portfolio

Tunga

137 Borrowers

USD 268,414 Portfolio

Ezukame

48 Borrowers

USD 75,486 Portfolio

Ganaza

28 Borrowers

USD 93,712 Portfolio

Hembwa Wage Express

Note: MFTransparency presents full data for s with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Gati

398 Borrowers

USD 67,667 Portfolio

IGL- New Clients

1,641 Borrowers

USD 436,424 Portfolio

IGL- Old Clients

482 Borrowers

USD 178,807 Portfolio

Jagrati

3 Borrowers

USD 35 Portfolio

Pragati

124 Borrowers

USD 28,910 Portfolio

Roshni

16,417 Borrowers

USD 1,617,538 Portfolio

Samridhi

119 Borrowers

USD 18,483 Portfolio

Unnati

378 Borrowers

USD 33,324 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility
Curuza (Business) MT & LT	RWF 100,000 - 10,000,000	4 - 36	0% - 20%	80% - 100%	Business	Men, Have business
Hembwa Wage MT & LT	RWF 10,000 - 5,000,000	1 - 36	20% - 40%	60% - 80%	Any Purpose	Women, Men, Salaried worker
Kaze (Solidarity Group) GS & GS-PU	RWF 10,000 - 500,000	4 - 12	0% - 20%	0% - 20%	Business, Housing, Education	Men, Have business
Tunga Women MT & LT	RWF 100,000 - 10,000,000	1 - 36	80% - 100%	40% - 60%	Any Purpose	Women, Have business

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Gati	INR 15,000 - 15,000	11	80% - 100%	80% - 100%	Business	Women, Have home or land, Credit policy permits the loan only to the females who are married with proper KYC documents	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
IGL- New Clients	INR 12,000 - 12,000	17	80% - 100%	0% - 20%	Business	Women, Have home or land
IGL- Old Clients	INR 16,000 - 30,000	24	80% - 100%	0% - 20%	Business	Women, Have home or land
Jagrati	INR 8,000 - 8,000	11	80% - 100%	80% - 100%	Business, Housing, Other	Women, Have home or land, Credit policy permits the loan only to the females who are married with proper KYC documents , she c	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Pragati	INR 18,000 - 18,000	11	80% - 100%	80% - 100%	Business, Housing, Other	Women, Only married women with proper KYC documents , she can be a salaried domestic worker	Credit Educ, Group Mtgs, Credit Ins
Roshni	INR 10,000 - 10,000	11	80% - 100%	0% - 20%	Business, Housing, Education, Other	Women	Credit Educ, Group Mtgs, Credit Ins
Samridhi	INR 20,000 - 20,000	11	80% - 100%	80% - 100%	Business, Housing, Education, Other	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Unnati	INR 12,000 - 12,000	11	80% - 100%	80% - 100%	Business, Housing, Education, Other	Women	Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Curuza (Business) MT & LT	15.00%-60.00% annual, Flat	2 Fees	1 Ins	18.00% fees	20.00% upfront	28.4% - 73.8%	43.3% - 96.6%	24
Hembwa Wage MT & LT	15.00% annual, Flat	2 Fees	1 Ins	18.00% fees	N/A	28.4% - 41.4%	29.5% - 45.1%	44
Kaze (Solidarity Group) GS & GS-PU	30.00% annual, Flat	2 Fees	0 Ins	18.00% fees	N/A	52% - 69.5%	56.7% - 73.3%	47
Tunga Women MT & LT	14.00%-60.00% annual, Flat	2 Fees	1 Ins	18.00% fees	10.00% upfront	27.3% - 68.4%	34.7% - 79%	25

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Gati	0%	36.6%	39%	N/A
IGL- New Clients	0%	27.6%	29.4%	N/A
IGL- Old Clients	0%	27.2%	29.3%	N/A
Jagrati	0%	36.8%	39.3%	N/A
Pragati	0%	36.8%	39.3%	N/A
Roshni	0%	36.8%	39.3%	N/A
Samridhi	0%	36.6%	39%	N/A
Unnati	0%	36.8%	39.3%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Gati	31.7% annual, Decl Bal	1 Fee	None	N/A	36.6%	39%	81
IGL- New Clients	26.0% annual, Decl Bal	1 Fee	None	N/A	27.6%	29.4%	89
IGL- Old Clients	26.0% annual, Decl Bal	1 Fee	None	N/A	27.2%	29.3%	89
Jagrati	31.7% annual, Decl Bal	2 Fees	None	N/A	36.8%	39.3%	81
Pragati	31.7% annual, Decl Bal	1 Fee	None	N/A	36.8%	39.3%	81
Roshni	31.7% annual, Decl Bal	1 Fee	None	N/A	36.8%	39.3%	81
Samridhi	31.7% annual, Decl Bal	2 Fees	None	N/A	36.6%	39%	81
Unnati	31.7% annual, Decl Bal	2 Fees	None	N/A	36.8%	39.3%	81

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Curuza (Business) MT & LT	15.00%-60.00% annual, Flat	2 Fees	1 Ins Ins	18.00% fees	20.00% upfront	28.4% - 73.8%	43.3% - 96.6%	24
Hembwa Wage MT & LT	15.00% annual, Flat	2 Fees	1 Ins Ins	18.00% fees	N/A	28.4% - 41.4%	29.5% - 45.1%	44
Kaze (Solidarity Group) GS & GS-PU	30.00% annual, Flat	2 Fees	0 Ins Ins	18.00% fees	N/A	52% - 69.5%	56.7% - 73.3%	47
Tunga Women MT & LT	14.00%-60.00% annual, Flat	2 Fees	1 Ins Ins	18.00% fees	10.00% upfront	27.3% - 68.4%	34.7% - 79%	25

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Gati	0%	36.6%	39%	N/A
IGL- New Clients	0%	27.6%	29.4%	N/A
IGL- Old Clients	0%	27.2%	29.3%	N/A
Jagrati	0%	36.8%	39.3%	N/A
Pragati	0%	36.8%	39.3%	N/A
Roshni	0%	36.8%	39.3%	N/A
Samridhi	0%	36.6%	39%	N/A
Unnati	0%	36.8%	39.3%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Gati	31.7% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.6%	39%	81
IGL- New Clients	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.6%	29.4%	89
IGL- Old Clients	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.2%	29.3%	89
Jagrati	31.7% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	36.8%	39.3%	81
Pragati	31.7% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.8%	39.3%	81
Roshni	31.7% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.8%	39.3%	81
Samridhi	31.7% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	36.6%	39%	81
Unnati	31.7% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	36.8%	39.3%	81

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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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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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