2. Wisigara
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 143 months
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Product

Agriculture Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 338,744,076
Portfolio (USD)USD 529,287.62
Active Clients with Loans1,039
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
A product focusing on farmers to increase the yield of the crops and technology, agrichain, processing, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
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 institution6
# Regions for this product7
Regions ActiveBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu, Rutsiro

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 20,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00050%
RWF 500,000-1,500,00050%
RWF 1,500,000-2,500,0000
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 term3.0 months
Longest loan term24.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months40%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
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 interest2.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionPaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.08%
% of loan amount - max4.28%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age & loan term
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?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 100,000RWF 250,000RWF 500,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-03-052012-10-192012-08-222012-08-06
Loan Term (Months)12.0 months12.0 months12.0 months24.0 months
Grace Period (Months)3.1 months3.1 months3.1 months3.1 months
Total Cost of CreditRWF 18,725RWF 44,562.50RWF 87,625RWF 228,500
True Price by Comp       
Interest price component23.2%23.3%23.3%17.6%
Fee Component6.1%4.5%3.9%2.1%
Insurance Component0.3%0.4%0.4%0.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component12.8%12.2%11.9%9.7%
Full APR (int fee ins tax dep)42.4%40.4%39.5%29.9%
Transparency Index57596180
        
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Agriculture Loan Price Graphs


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  2. Satin
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Satin Creditcare Network Ltd Satin Creditcare Network ltd ,5th Floor,Kundan BhawanAzadpur Commercial complex ,AzadpurDelhiPO Box 110033
Data approved: 2013-03-11
Data version: 2
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.satincreditcare.com/
Year established1990
Head of InstitutionH P Singh
Regions activeBihar, Haryana, Madhya PradeshPunjab, Uttar Pradesh, Uttarakhand, Chandigarh, National Capital Territory of Delhi
# Branches158

Total Portfolio (nat'l)INR 4,779,248,793
Total Portfolio (USD)USD 90,174,505.53
Active clients with loans428,995
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMFIN, Sa-Dhan

Loan Products » Summary

Urban
49,637 Borrowers
USD 17,306,701.11 Portfolio
Active Product
Rural
355,974 Borrowers
USD 72,867,804.42 Portfolio
Active Product
Income Generation Loan
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Income Generation Loan - Urban INR 20,000 - 50,000 12 - 30 0% - 20% 80% - 100% Business Women, Men, Have business, Med HH Inc, Urban HH Credit Educ
Income Generation Loan (Rural) INR 8,000 - 25,000 15 - 26 80% - 100% 0% - 20% Business Women, Have business, Have home or land, Low HH Inc, Rural HH Credit Educ, Group Mtgs, Credit Education, Financial Literacy Training. , Group Meeting

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Income Generation Loan - Urban 22.3% - 23.5% 22.3% - 23.5% 22.3% - 23.5% Yes Yes Yes 100
Income Generation Loan (Rural) 25.8% - 27.9% 26.9% - 29.6% 29.6% - 32.3% Yes Yes Yes 100
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Income Generation Loan - Urban 22.0%-26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.3% - 23.5% 22.3% - 23.5% 95
Income Generation Loan (Rural) 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.9% - 29.6% 29.6% - 32.3% 79
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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