2. COOPEDU
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

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 148 months
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Product

Credit Group D'Epargne Et Credit Product 6 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 96,905,680
Portfolio (USD)USD 153,819
Active Clients with Loans169
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Beneficiaires: Groupe de 4 - 8 Femmes faible revenue. Garantie: caution solidaire.Taux: 2% par mois.
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 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 institution2
# Regions for this product3
Regions ActiveGasabo, Kicukiro, Nyarugenge

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 300,000
Maximum loan size2,400,000
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 term4.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months100%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
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 interest0.50%
Highest quoted nominal interest0.50%
Interest rate periodWeekly
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 1Ins 2
DescriptionAssurance sur creditCommission on Insurance
% of loan amount - min0.06%0
% of loan amount - max1.12%0
OR, Fixed amount - min01,000
Fixed amount - max01,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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 deposited10.00%
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
During loan term the borrower must now save 10%, divided equally between payments, rather than the 20% shown on these samples. APR calcs have used insurance rates applicable to a 30 year old client.

Full Pricing Data

Credit Group D'Epargne Et Credit samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 450,000RWF 900,000RWF 2,100,000RWF 1,800,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-102012-09-182012-03-282012-10-17
Loan Term (Months)7.0 months7.0 months11.0 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months-0.8 months
Total Cost of CreditRWF 81,739.72RWF 162,299.44RWF 553,302.76RWF 474,428.08
True Price by Comp       
Interest price component48.1%48.1%47.5%47.5%
Fee Component3.3%3.3%2.3%2.3%
Insurance Component2.8%2.5%2.3%2.3%
Tax Component1.2%1.0%0.9%0.9%
Deposit Component18.8%18.7%17.0%17.0%
Full APR (int fee ins tax dep)74.2%73.6%70.0%70.0%
Transparency Index35353737
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credit Group D'Epargne Et Credit Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeBusinessLoan PurposeCOOPEDUInstitutionRW-004-V02-P06ProductRWCountry2012YearRange Number2Institution Data Version0500,0001,000,0001,500,0002,000,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 60304Number of Borrowers
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  2. PRASAC
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

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224
Data approved: 2011-02-03
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
Regions active0
# Branches91

Total Portfolio (nat'l)KHR 425,374,000,000
Total Portfolio (USD)USD 106,343,395.50
Active clients with loans105,953
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
FundersDragon Capital Group, FMO, BIO, LOLC

Loan Products » Summary

Agric USD
7,530 Borrowers
USD 32,589,623,046 Portfolio
Active Product
Agric KHR
32,809 Borrowers
USD 15,040,695.91 Portfolio
Active Product
Biodigester
1,206 Borrowers
USD 379,333 Portfolio
Active Product
Business KHR
15,589 Borrowers
USD 10,153,398.68 Portfolio
Active Product
Business USD
21,300 Borrowers
USD 178,585,000,000 Portfolio
Active Product
Consume KHR
4,406 Borrowers
USD 1,881,218.50 Portfolio
Active Product
Consume USD
8,421 Borrowers
USD 39,161,997,362 Portfolio
Active Product
Group KHR
13,682 Borrowers
USD 2,448,051.88 Portfolio
Active Product
Group USD
489 Borrowers
USD 402,575,648 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Agricultural Production Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Biodigester Loan (USD) USD 75 - 1,000 0 20% - 40% 0% - 20%
Business Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Business Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Consumption Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Consumption Loan (USD) USD 75 - 10,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Group Loan (KHR) KHR 50,000 - 5,000,000 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs
Group Loan (USD) USD 15 - 1,250 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100
Institution Price Graph
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P01KH-010-V02-P03KH-010-V02-P05KH-010-V02-P07KH-010-V02-P09ProductKHCountry2011YearRange Number2Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 4,2003,1002,1001,000100Number 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.
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P02KH-010-V02-P04KH-010-V02-P06KH-010-V02-P08ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 6,5004,9003,2001,600100Number 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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