2. COOPEDU
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

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 144 months
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Product

Credit Femmes Entrepreneurs Product 5 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 154,736,132
Portfolio (USD)USD 245,613
Active Clients with Loans338
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Beneficiaires: Les femmes entrepreneurs. Le montant minimum est de 300 000 Frw et le montant maximum est de 2 000 000 Frw. Le taux d'interet est de 1,1% par mois. La garantie est constitue de biens mobiliers.
Loan Purpose
Any purpose
Income generationx
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 servicesx
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be a COOPEDU member for at least 1 month.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product4
Regions ActiveGasabo, Kicukiro, Nyarugenge, Rwamagana

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 300,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00030%
RWF 500,000-1,500,00030%
RWF 1,500,000-2,500,00040%
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.08%
Highest quoted nominal interest1.08%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission sur credit
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAssurance sur credit
% of loan amount - min0.09%
% of loan amount - max1.12%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on age, loan amount, loan term
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees18%
All or some fees taxedAll
Additional Comments
APR calcs have used insurance rates applicable to a 30 year old client

Full Pricing Data

Credit Femmes Entrepreneurs samples
Sample 1Sample 2Sample 3
Loan AmountRWF 500,000RWF 1,000,000RWF 2,000,000
Loan Cycle (1, 2, 3, etc)111
Disbursement Date2012-05-312012-02-092012-02-28
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditRWF 72,245.20RWF 144,486.40RWF 288,980.80
True Price by Comp     
Interest price component22.8%23.0%23.0%
Fee Component1.9%2.0%2.0%
Insurance Component0.5%0.4%0.4%
Tax Component0.4%0.4%0.4%
Deposit Component50.5%57.7%23.4%
Full APR (int fee ins tax dep)76.1%83.5%49.2%
Transparency Index171626
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credit Femmes Entrepreneurs Price Graphs


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  2. Salve
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

Caritas Salve Credit Cooperative RM. 24 Caritas Bldg., Caritas Manila Compound2002 Jesus St., PandacanManila1011
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.caritas.org.ph/
Year established2006
Head of InstitutionFr. Mario Castillo CM
Regions active
# Branches19

Total Portfolio (nat'l)PhP 57,042,219.37
Total Portfolio (USD)USD 1,364,646.40
Active clients with loans12,142
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsCaritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative
FundersCaritas Manila, Radyo Veritas, Bahay Pari MPC

Loan Products » Summary

Regular 11
659 Borrowers
USD 62,896.77 Portfolio
Active Product
Regular 15
693 Borrowers
USD 97,589.52 Portfolio
Active Product
Regular 23
9,551 Borrowers
USD 1,031,446.29 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Regular Loan - 11 weeks PHP 2,000 - 150,000 2.6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation
Regular Loan - 15 weeks PHP 2,000 - 150,000 3.5 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Regular Loan - 23 weeks PHP 2,000 - 150,000 5.3 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36
Institution Price Graph
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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