2. ACB-SA
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: 144 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acb.rw
Year established2006
Head of InstitutionFroduald Munyankiko
Regions activeBugesera, Kicukiro
# Branches6

Total Portfolio (nat'l)RWF 930,061,222
Total Portfolio (USD)USD 1,476,287.65
Active clients with loans4,335
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR, Terrafina
FundersAfrican Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina

Loan Products » Summary

Curuza
187 Borrowers
USD 337,908 Portfolio
Active Product
Hembwa
1,067 Borrowers
USD 138,600 Portfolio
Active Product
Kaze
2,764 Borrowers
USD 468,488 Portfolio
Active Product
Tunga
137 Borrowers
USD 268,414 Portfolio
Active Product
Ezukame
48 Borrowers
USD 75,486 Portfolio
Low Volume Product
Ganaza
28 Borrowers
USD 93,712 Portfolio
Low Volume Product
Hembwa Wage Express
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

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

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
Institution Price Graph
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  2. AJDFI
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Grameen I or Regular Loan Product 3 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 19,276,410
Portfolio (USD)USD 461,158.13
Active Clients with Loans11,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help groupx
Other
Description
Group collateral
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance - Registration
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min300
Fixed amount - max300
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 8 - PHP 20
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Periodic Saving (Compulsory) = PhP 8 for first loan cycle

Full Pricing Data

Grameen I or Regular Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 25,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-242011-09-132011-05-052011-09-122011-07-18
Loan Term (Months)5.8 months5.8 months11.7 months11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component81.8%81.8%73.8%73.8%73.8%
Insurance Component110.5%40.3%16.3%9.8%4.1%
Tax Component2.8%2.4%1.3%1.2%1.2%
Deposit Component28.9%18.6%12.7%10.0%7.9%
Full APR (int fee ins tax dep)224.0%143.2%104.1%94.9%87.0%
Transparency Index1625353841
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Grameen I or Regular Loan Price Graphs


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# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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