2. Inkingi
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RSPI
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

IMF Inkingi Head OfficeKigaliPO Box 2977
Data approved: 2011-09-16
Data version: 1
Age of data: 162 months

Institution

Rangtay sa Pagrang-ay, Inc. 4th Floor Manongdo Bldg.17 Private Road, Magsaysay Ave.Baguio City2600
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Construction Maison / Rehabilitation Loan Product 3 of 5 « Prev | Next »

Product

Salary Loan Product 4 of 4 « Prev | Next »

Product Summary

Number borrowers195
Loan Amount (range)RWF 50,000 - 7,500,000
Loan Term (range)1 - 12
Other Services (text summary)
Annual Interest & Method24.00%-36.00% annual, Flat
Fees2 fees
InsuranceNone
TaxNone
Comp Dep10.00% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component86.2% - 102.2% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)101.5% - 119.5%
Transparency Index (min/max)20 - 165
Transparency Index (average)22

Product Summary

139
PHP 10,000 - 40,000
3 - 12
Credit Educ, Credit Ins
36.0% annual, Flat
3.00% upfront
240.00 upfront 2.00% upfront
None
N/A
 
N/A
66.7% - 68.4% (Int+Fee)
6.5% - 39.0%
0
73.2% - 79.3%
21 - 65
47

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 262,495,434
Portfolio (USD)USD 410,149.12
Active Clients with Loans195
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit pour finissage des maisons ou leur rehabilitation, achat parcelle.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
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
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 institution11
# Regions for this product13
Regions ActiveBugesera, Gasabo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Nyanza, Nyarugenge, Ruhango, Rwamagana

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 1,865,075.22
Portfolio (USD)USD 44,619.02
Active Clients with Loans139
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
For regular employees as well as those who are paid on honorarium basis
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
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 workerx
Must be specific age group
OtherBarangay Officials
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 50,000
Maximum loan size7,500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00010%
RWF 1,500,000-2,500,00020%
RWF 2,500,000-3,500,00010%
RWF 3,500,000-4,500,00020%
Greater than RWF 4,500,00020%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less20%
Between 4 and 6 months30%
Between 7 and 9 months30%
Between 10 and 12 months20%
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 10,000
Maximum loan size40,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Term
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionStationery
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min05,000
Fixed amount - max010,000
Reason for variationN/AN/A
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
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 deposited0
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?No

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Service Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
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 1Ins 2
DescriptionLife InsuranceLoan Redemption Fee
% of loan amount - min02.00%
% of loan amount - max02.00%
OR, Fixed amount - min2400
Fixed amount - max2400
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Construction Maison / Rehabilitation Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 340,000RWF 582,500RWF 1,000,000RWF 1,000,000RWF 4,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-07-262010-09-302010-10-122010-06-112010-08-24
Loan Term (Months)10.0 months8.0 months12.0 months10.0 months3.0 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 Component88.3%92.1%86.2%87.3%102.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component16.0%17.0%15.3%15.8%17.3%
Full APR (int fee ins tax dep)104.3%109.1%101.5%103.1%119.5%
Transparency Index2322242320
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Salary Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 15,000PHP 28,000PHP 30,000
Loan Cycle (1, 2, 3, etc)1126
Disbursement Date2011-02-042011-02-042011-02-182011-03-10
Loan Term (Months)12.0 months12.0 months12.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component66.7%66.7%66.7%68.4%
Insurance Component8.2%8.2%6.5%10.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)74.9%74.9%73.2%79.3%
Transparency Index48484945
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Construction Maison / Rehabilitation 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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