2. COOJAD
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
  2. SISDO
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPERATIVE DE LA JEUNEUSE POUR L AUTO D'EMPLOI ET DEVELOPEMENT P.O.Box 3739KIGALI250
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Institution

Smallholder Irrigation Schemes Development Organization (SISDO) NairobiKenyaPO Box 76622
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 
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Product

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Product

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Product Summary

Number borrowers45
Loan Amount (range)0
Loan Term (range)0
Other Services (text summary)
Annual Interest & Method0.00% annual, 0
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component19.8% - 45.6% (Int+Fee)
Insurance Component0 - 7.2%
Tax Component Range0
Full APR (int fee ins tax dep)33.2% - 65.5%
Transparency Index (min/max)0 - N/A
Transparency Index (average)

Product Summary

2,156
KES 10,000 - 50,000
3 - 18
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional
18.0% annual, Flat
1.00% upfront
2.00% upfront
None
10.0% upfront 100.00 ongoing
 
#N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 47,079,560
Portfolio (USD)USD 79,796
Active Clients with Loans45
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Tout pr?t en rapport avec l'activit? commerciale de transport comme un v?hicule de taxi voiture, de taxi moto, de v?lo moteur, camionnette.\r
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 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

Product Details

Key Statistics
Outstanding portfolio (KES)KES 36,834,244
Portfolio (USD)USD 444,858.02
Active Clients with Loans2,156
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Product designed for dairy farmers; 10% Collateral Deposit for the 1st Loan & 20% for the subsequent loans; Full time farmers with farming experience in raising exotic breeds; a ready market for the dairy products
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherImprovement to shed, purchase of cow, chaff-cutter
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherHealth insurance - optional
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
OtherFarmers only
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

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 10,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Grace Period
Grace period usage30%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
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 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
DescriptionEtudeProcessing fee
% of loan amount - min1.50%1.00%
% of loan amount - max1.50%1.00%
OR, Fixed amount - min00
Fixed amount - max00
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

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance (per annum)
% of loan amount - min0.75%
% of loan amount - max0.75%
OR, Fixed amount - min0
Fixed amount - max0
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 deposited10.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100 - N/A
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid2.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Transport Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 124,000RWF 300,000RWF 500,000RWF 1,300,000RWF 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-172010-09-022011-02-122011-01-202011-02-12
Loan Term (Months)7.0 months3.0 months12.0 months12.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component38.6%45.6%21.0%22.1%19.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component26.9%15.0%16.4%16.4%13.4%
Full APR (int fee ins tax dep)65.5%60.5%37.5%38.5%33.2%
Transparency IndexN/AN/AN/AN/AN/A
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Zero Grazing Loan samples
No sample data for this product
Transport Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeBusinessLoan PurposeCOOJADInstitutionRW-005-V01-P05ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%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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Key Statistics
# Samples:
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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