2. COOPEDU
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PBC
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

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 145 months
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Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

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

Product

Cycled Loan / Enterprise Loan Product 2 of 5 « Prev | Next »

Product Summary

Number borrowers338
Loan Amount (range)RWF 300,000 - 2,000,000
Loan Term (range)6 - 12
Other Services (text summary)
Annual Interest & Method12.96% annual, Flat
Fees1.00% upfront
Insurance0.09%-1.12% upfront
Tax18.00% fees
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component16.7% - 48.1%
Fee Component0.7% - 4.8%
Insurance Component0.4% - 2.8%
Tax Component Range0.1% - 1.2%
Full APR (int fee ins tax dep)49.2% - 83.5%
Transparency Index (min/max)0 - 95
Transparency Index (average)18

Product Summary

31,305
PHP 3,000 - 150,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
24.0% annual, Flat
2.00%-4.00% upfront 1.50%-3.00% upfront
18.55-2,053.44 upfront
0.50% loan amt
100.00 upfront 0.37% ongoing
 
N/A
58.1% - 63.0% (Int+Fee)
0.2% - 3.4%
0.6% - 1.2%
70.7% - 76.3%
31 - 73
32

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

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 254,217,055
Portfolio (USD)USD 6,081,747.73
Active Clients with Loans31,305
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Enterprising Loan
Loan Purpose
Any purpose
Income generationx
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 businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
OtherAge must be 18 to 65 years old
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 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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
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 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

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeFiling Fee
% of loan amount - min2.00%1.50%
% of loan amount - max4.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18.55
Fixed amount - max2,053.44
Reason for variationN/A
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 100
Deposits DURING period payments
% loan amount deposited0.37%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyWeekly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Interest paid during weekly amortization.

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

Full Pricing Data

Cycled Loan / Enterprise Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 7,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-092011-05-262011-05-262011-06-232011-05-262011-04-13
Loan Term (Months)6.1 months6.1 months6.1 months11.9 months11.9 months11.9 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 Component58.1%59.2%63.0%60.9%61.0%61.0%
Insurance Component2.6%2.6%2.6%3.3%3.3%3.3%
Tax Component1.1%1.1%1.1%1.2%1.2%1.2%
Deposit Component9.7%7.8%5.7%10.8%10.6%10.3%
Full APR (int fee ins tax dep)71.5%70.7%72.4%76.3%76.2%75.9%
Transparency Index343433313232
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Credit Femmes Entrepreneurs Price Graphs


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Cycled Loan / Enterprise Loan Price Graphs


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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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Total Borrowers of Samples

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