2. Inkingi
Please note that the information you are viewing is 165 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: 165 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionBernadette Mukamisha
Regions activeBugesera, Gasabo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Nyanza, Nyarugenge
# Branches19

Total Portfolio (nat'l)RWF 1,659,754,210
Total Portfolio (USD)USD 2,593,365.95
Active clients with loans2,648
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBNR, AMIR, AQUADEV

Loan Products » Summary

Agriculture
416 Borrowers
USD 176,499.97 Portfolio
Active Product
Commerce
1,039 Borrowers
USD 1,646,446.42 Portfolio
Active Product
Construction
195 Borrowers
USD 410,149.12 Portfolio
Active Product
Credits
825 Borrowers
USD 231,209.70 Portfolio
Active Product
Transport
119 Borrowers
USD 129,059.98 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture/Elevage Loan RWF 50,000 - 7,500,000 1 - 12 20% - 40% 20% - 40% Business Women, Men Tech Asst Visits, Business Training, Other Training, Epargne-credit
Commerce Loan RWF 1,000,000 - 7,500,000 1 - 12 0% - 20% 60% - 80% Business, Consumer, Other Women, Men
Construction Maison / Rehabilitation Loan RWF 50,000 - 7,500,000 1 - 12 0% - 20% 20% - 40% Housing Women, Men
Credit Divers RWF 10,000 - 7,500,000 1 - 12 0% - 20% 40% - 60% Any Purpose Women, Men
Transport Loan RWF 50,000 - 7,500,000 3 - 12 0% - 20% 20% - 40% Business, Housing Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture/Elevage Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 11.9% - 88.5% 14.6% - 104.9% 50
Commerce Loan 48.00%-60.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.5% - 105.7% 101.9% - 123.8% 42
Construction Maison / Rehabilitation Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.2% - 102.2% 101.5% - 119.5% 22
Credit Divers 36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 48.6% - 102.4% 53.6% - 102.4% 46
Transport Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 84.1% - 89.1% 98.9% - 105.6% 23
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessHousingMultipleLoan PurposeInkingiInstitutionRW-008-V01-P01RW-008-V01-P02RW-008-V01-P03RW-008-V01-P04RW-008-V01-P05ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 30010010Number of Borrowers
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  2. Comerciacoop
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Comerciantes CL 16 # 8 29Chiquinquira, Boyaca
Data approved: 2011-08-01
Data version: 1
Age of data: 171 months

Product

Consumo (COP) Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (COP)COP 662,862,576
Portfolio (USD)USD 364,210.21
Active Clients with Loans302
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
SERVICIO FINANCIERO ORIENTADO PARA LIBRE INVERSION PREFERENCIALMENTE A EMPLEADOS Y PENSIONADOS
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherCAPITALIZACION APORTES
Other (2)AHORRO PROGRAMADO
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried workerx
Must be specific age group
OtherCodeudor
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
CurrencyCOP
Minimum loan sizeCOP 200,000
Maximum loan size12,800,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term60.0 months
Approx average17.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest0.88%
Highest quoted nominal interest2.29%
Reason(s) why interest rate variesTime as Client, Loan Size, Collateral
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionPapeleria (No es comisio Mipyme)
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min3,000
Fixed amount - max3,000
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSEGURO DE VIDA QUE SE LIQUIDA SOBRE SALDO A CAPITAL
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited0
Deposits DURING period payments
% loan amount deposited1.00% - N/A
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid1.58%
Maximum interest rate paid1.58%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Savings include Aportes and compulsory savings.

Full Pricing Data

Consumo (COP) samples
Sample 1Sample 2Sample 3
Loan AmountCOP 1,500,000COP 3,500,000COP 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-04-052011-02-242011-02-21
Loan Term (Months)12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component19.9%19.9%20.4%
Insurance Component1.1%1.2%1.2%
Tax Component0.0%0.0%0.0%
Deposit Component1.8%1.4%4.1%
Full APR (int fee ins tax dep)22.8%22.4%25.8%
Transparency Index464741
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Consumo (COP) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyLoan PurposeComerciacoopInstitutionCO-010-V01-P02ProductCOCountry2011YearRange Number1Institution Data Version02,000,0004,000,0006,000,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 100708Number 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:
# 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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