COOPEDU - Credit Group D'Epargne Et Credit - MFTransparency.org Truth In Lending Tables

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 KICUKIROKIGALIB.P 4053 KIGALI

Data approved: 2011-09-16

Data version: 1

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (RWF)	RWF 105,734,088
Portfolio (USD)	USD 179,210
Active Clients with Loans	224
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	80% - 100%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Beneficiaires: Groupe de 4 ?? 8 Femmes ?? faible revenue. Garantie:caution solidaire.Taux: 2% par mois.\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
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Groupe de femmes
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	RWF 300,000
Maximum loan size	2,400,000

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	12.0 months
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	100%
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly	x
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	2.00%
Highest quoted nominal interest	2.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	COMMISSION SUR CREDIT
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1	Ins 2
Description	Commission on insurance	Assurance vie - depends on loan amount, term and age
% of loan amount - min	0	1.00%
% of loan amount - max	0	10.00%
OR, Fixed amount - min	1,000	0
Fixed amount - max	1,000	0
Reason for variation
Appears on Repayment Sched?

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
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	20.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	10.00% - N/A
or, Fixed-amount deposited	0 - N/A
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?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Additional Comments

During the loan term the borrower must save a total of 1% of the , divided equally between each payment period.\r

Full Pricing Data

Credit Group D'Epargne Et Credit samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	RWF 75,000	RWF 100,000	RWF 200,000	RWF 250,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2012-09-10	2012-09-18	2012-03-28	2012-10-17
Loan Term (Months)	3.7 months	5.6 months	7.5 months	7.5 months
Grace Period (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
True Price by Comp
Interest and Fee Component	30.3%	28.4%	27.3%	14.1%
Insurance Component	4.7%	2.8%	1.7%	0.8%
Tax Component	11.7%	0.8%	0.6%	0.3%
Deposit Component	38.1%	26.3%	24.0%	12.7%
Full APR (int fee ins tax dep)	84.8%	58.2%	53.6%	27.9%
Transparency Index	28	41	45	86

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

Credit Group D'Epargne Et Credit Price Graphs

Loan Size/

Loan Term/

Custom

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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

Trident Microfin Limited DNO:11-8-15,MIG-33,SHREE SAI ARCADE,1ST & 2ND FLOORS,SAROORNAGAR,HYDERABAD, ANDHRA PRADESH500035

Data approved: 2010-10-25

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	N/A
Website address	http://www.tridentmicrofin.com/
Year established	2007
Head of Institution	KISHORE KUMAR PULI
Regions active	0
# Branches	60

Total Portfolio (nat'l)	INR 1,386,607,288
Total Portfolio (USD)	USD 30,813,495.29
Active clients with loans	174,873
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations

Loan Products » Summary

Agri Allied Loans

805 Borrowers

USD 204,634.07 Portfolio

Crop Loans to Farmer Groups

1,394 Borrowers

USD 133,551.80 Portfolio

Group Loan for Women Monthly

32,636 Borrowers

USD 7,112,021.20 Portfolio

Women Weekly

142,967 Borrowers

USD 20,219,522.93 Portfolio

Individual Micro Enterprise Loans

70 Borrowers

USD 38,675.18 Portfolio

Personal Loan to Employees

21 Borrowers

USD 9,155.51 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agri Allied Loans	INR 16,000 - 20,000	18 - 36	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins
Crop Loans to Farmer Groups	INR 6,000 - 25,000	10 - 12	0% - 20%	0% - 20%	Business, Loan is given for inputs required for harvesting	Women, Men, Have home or land, The loan is also given to clients in rented accomadation who have stayed in that locality for more t, Out of a group of 5 members ,4 members should have own house	Credit Educ, Group Mtgs, Credit Ins
Group Loan for Women Monthly	INR 6,000 - 18,000	18	80% - 100%	0% - 20%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women, The loan is also given to clients in rented accomadation who have stayed in that locality for more t	Credit Educ, Group Mtgs, Credit Ins, Other Training
Group Loan for Women Weekly	INR 6,000 - 18,000	11.5 - 12	80% - 100%	40% - 60%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women	Credit Educ, Group Mtgs, Credit Ins
Individual Micro Enterprise Loans	INR 16,000 - 100,000	18 - 36	60% - 80%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins, Other Training
Personal Loan to Employees	INR 16,000 - 100,000	18 - 36	80% - 100%	0% - 20%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agri Allied Loans	0%	0%	0%	N/A
Crop Loans to Farmer Groups	0%	0%	0%	N/A
Group Loan for Women Monthly	0%	0%	0%	N/A
Group Loan for Women Weekly	0%	0%	0%	N/A
Individual Micro Enterprise Loans	0%	0%	0%	N/A
Personal Loan to Employees	0%	0%	0%	N/A

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Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agri Allied Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Crop Loans to Farmer Groups	21.0% annual, Decl Bal	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Monthly	12.5%-15.0% annual, Flat	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Weekly	12.5%-15.0% annual, Flat	2 Fees	None	N/A	0%	0%	N/A
Individual Micro Enterprise Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Personal Loan to Employees	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A

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

	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 ∞

Institution

Product

Product Details

Key Statistics

Description

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Term and Grace Period

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Credit Group D'Epargne Et Credit samples

Credit Group D'Epargne Et Credit Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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