2. Comicoka
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

COOPEC COMICOKA RUBAVU, Ouest Rwanda506 GISENYI RWA
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Product

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Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 6,882,208
Portfolio (USD)USD 11,665
Active Clients with Loans44
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
CREDIT D'URGENCE NE DEPASSE PAS 3 MOIS.\r
Loan Purpose
Any purposex
Income generation
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
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
CurrencyRWF
Minimum loan size0
Maximum loan size0
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
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 interest0
Highest quoted nominal interest0
Interest rate period
Interest Rate Calculation Method0
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1Fee 2
Descriptioncommissionpaper fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min0600
Fixed amount - max0600
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Urgence 60% samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 100,000RWF 200,000RWF 480,000RWF 500,000RWF 580,000RWF 1,500,000
Loan Cycle (1, 2, 3, etc)111111
Disbursement Date2012-03-202012-05-232012-06-042012-08-022012-05-292012-05-23
Loan Term (Months)4.0 months4.0 months4.0 months4.0 months4.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component73.7%66.5%68.0%69.3%0.0%71.5%
Insurance Component0.0%0.0%0.0%0.0%70.9%0.0%
Tax Component1.7%1.5%1.6%1.7%-70.9%1.8%
Deposit Component0.0%0.0%0.0%0.0%72.7%0.0%
Full APR (int fee ins tax dep)75.4%68.0%69.6%71.1%72.7%73.3%
Transparency Index000000
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Urgence 60% Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeAnyLoan PurposeComicokaInstitutionRW-002-V01-P04ProductRWCountry2011YearRange Number1Institution Data Version0500,0001,000,0001,500,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 20101Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. Comerciacoop
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Comerciantes CL 16 # 8 29Chiquinquira, Boyaca
Data approved: 2011-08-01
Data version: 1
Age of data: 171 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.comerciacoop.coop/
Year established1996
Head of InstitutionJesus Maria Medina Duran
Regions active
# Branches5

Total Portfolio (nat'l)COP 6,506,159,027
Total Portfolio (USD)USD 3,574,812.65
Active clients with loans5,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Comercial
357 Borrowers
USD 1,689,259.68 Portfolio
Active Product
Consumo
302 Borrowers
USD 364,210.21 Portfolio
Active Product
Microcredito
987 Borrowers
USD 1,146,921.32 Portfolio
Active Product
Crediliqui
22 Borrowers
USD 55,346.15 Portfolio
Low Volume 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
Comercial (COP) COP 200,000 - 107,000,000 1 - 78 40% - 60% 80% - 100% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Consumo (COP) COP 200,000 - 12,800,000 1 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have home or land, Salaried worker, Codeudor Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Microcredito COP 200,000 - 12,875,000 1 - 36 80% - 100% 60% - 80% Business, CAPITAL DE TRABAJO, LIQUIDEZ, ACTIVOS Women, Men, Have business, MICROEMPRESARIO, COMERCIANTE - INDEPENDIENTES Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyBusinessLoan PurposeComerciacoopInstitutionCO-010-V01-P01CO-010-V01-P02CO-010-V01-P04ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,00020,000,00025,000,00030,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 40020020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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