Amasezerano Community Bank - Ezukame Express PU & PM - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 147 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

Analyze Data

Product

Ezukame Express PU & PM Product 2 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (RWF)	RWF 64,979,771
Portfolio (USD)	USD 110,135
Active Clients with Loans	40
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	20% - 40%

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

Loan for agriculture and livestock activities.\r

Loan Purpose

Any purpose
Income generation	x
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 services

Eligibility

Men	x
Women	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	RWF
Minimum loan size	0
Maximum loan size	0

Loan Term and Grace Period

Shortest loan term	0
Longest loan term	0
Approx average	0

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
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	0
Highest quoted nominal interest	0
Interest rate period
Interest Rate Calculation Method	0
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	N/A

Upfront Fees

	Fee 1	Fee 2
Description	Processing + collateral visit	Commission + internal guarantee
% of loan amount - min	0	1.50%
% of loan amount - max	0	1.50%
OR, Fixed amount - min	15,000	0
Fixed amount - max	15,000	0
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	Credit Commission	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
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Ezukame Express PU & PM samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	RWF 500,000	RWF 540,000	RWF 700,000	RWF 750,000	RWF 1,200,000	RWF 5,000,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)	3.0 months	4.0 months	4.0 months	4.0 months	12.0 months	3.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	47.9%	71.7%	41.0%	65.4%	0.0%	37.3%
Insurance Component	1.6%	0.0%	1.1%	0.0%	29.4%	0.0%
Tax Component	0.8%	1.0%	0.6%	1.0%	-29.4%	0.8%
Deposit Component	0.0%	0.0%	0.0%	0.0%	29.6%	0.0%
Full APR (int fee ins tax dep)	50.2%	72.7%	42.6%	66.4%	29.6%	38.0%
Transparency Index	N/A	N/A	N/A	N/A	N/A	N/A

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

Ezukame Express PU & PM Price Graphs

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Actuar Caldas	3,700	5,247,000	1	171
Actuar Quindio	2,300	2,800,000	2	171
Actuar Tolima	8,800	5,099,000	3	171
Amanecer	4,300	8,253,000	4	171
Banco Agrario	56,300	39,938,000	3	171
Banco WWB	219,400	294,019,000	5	166
Bancolombia	36,200	51,563,000	1	171
BdO	10,400	7,945,000	2	171
Comerciacoop	1,600	3,255,000	4	171
Confiar	43,800	81,993,000	7	171
Congente	5,400	20,045,000	2	171
Contactar	25,100	20,184,000	2	171
Crezcamos	27,500	22,564,000	4	171
Finamerica	39,800	99,536,000	7	171
FMM Popayán	310,000	243,614,000	3	171
FMSD	6,800	9,236,000	6	171
Fomentamos	900	102,000	1	171
Fund DeLaMujer	199,900	165,568,000	1	171
Fund Oleoductos	500	435,000	1	166
FUNDAUNIBAN	600	1,307,000	2	171
FUNDESAN	2,400	2,521,000	5	171
FUNDESMAG	1,000	1,698,000	2	171
Interactuar	30,200	93,846,000	4	171
MEDA	15,600	27,322,000	2	171
ProCredit CO	5,700	18,569,000	3	171

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

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞