| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 119 |
| KF | 233,600 | 41,416,000 | 4 | 118 |
| NRSP | 399,900 | 70,157,000 | 3 | 119 |
| ASA | 230,400 | 29,637,000 | 3 | 119 |
| TMFB | 221,200 | 85,449,000 | 7 | 119 |
| FMFB | 163,544 | 38,481,323 | 9 | 137 |
| TRDP | 100,000 | 13,817,000 | 3 | 119 |
| PRSP | 75,656 | 9,907,176 | 3 | 137 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 119 |
| SRSO | 51,100 | 7,775,000 | 3 | 119 |
| SSF | 46,000 | 4,776,000 | 3 | 119 |
| FINCA | 82,000 | 43,559,000 | 9 | 119 |
| JWS | 36,000 | 6,545,000 | 2 | 119 |
| RCDS | 35,552 | 4,856,122 | 4 | 137 |
| DAMEN | 35,185 | 7,150,864 | 1 | 137 |
| FFO | 22,400 | 3,335,000 | 3 | 119 |
| OLP | 21,400 | 3,510,000 | 3 | 119 |
| CSC | 17,600 | 3,147,000 | 1 | 119 |
| AMRDO | 13,800 | 1,206,000 | 5 | 119 |
| WMBL | 13,800 | 6,105,000 | 3 | 119 |
| Mojaz | 13,400 | 2,415,000 | 2 | 119 |
| SDF | 11,500 | 1,041,000 | 4 | 119 |
| POMFB | 8,500 | 2,795,000 | 4 | 119 |
| OPD | 7,500 | 918,000 | 2 | 119 |
| AGAHE | 7,300 | 797,000 | 2 | 119 |
| NRDP | 6,184 | 1,521,972 | 3 | 137 |
| GBTI | 6,100 | 669,000 | 3 | 137 |
| WASIL | 4,300 | 1,135,000 | 2 | 119 |
| Micro Options | 4,000 | 768,000 | 5 | 119 |
| VDO | 3,900 | 489,000 | 3 | 137 |
| SVDP | 3,900 | 811,000 | 13 | 137 |
| SRDO | 3,500 | 766,000 | 4 | 119 |
| OSDI | 2,000 | 923,000 | 3 | 119 |
| APMBL | 1,800 | 1,401,000 | 3 | 119 |
| BEDF | 1,400 | 209,000 | 3 | 137 |
| KCDO | 800 | 94,000 | 1 | 137 |
| Key Statistics | |
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| # 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
