2. Wisigara
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  2. APED
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Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 148 months
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Institution

ASSOCIATION OF PROGRESSIVE ENTREPRENEURS IN DEVELOPMENT P.O. BOX CT 78 PMBACCRA, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressn/a
Year established2003
Head of InstitutionFlorent Majyambere
Regions activeBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu
# Branches11

Total Portfolio (nat'l)RWF 579,013,264
Total Portfolio (USD)USD 904,708.23
Active clients with loans2,177
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAMIR
FundersTerrafina, Banque Rwandaise Developpement, AQUADEV, RaboBank

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.worldvision.org/
Year established2001
Head of InstitutionSPENCER BADU
Regions active0
# Branches7

Total Portfolio (nat'l)GHS 1,527,689
Total Portfolio (USD)USD 1,018,459.33
Active clients with loans8,772
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsASFIN, GHAMFIN, VISION FUND INTERNATIONAL
FundersWORLD VISION INTERNATIONAL, VISION FUND INTERNATIONAL

Loan Products » Summary

Agriculture
1,039 Borrowers
USD 529,287.62 Portfolio
Active Product
Commerce
1,062 Borrowers
USD 189,401.16 Portfolio
Active Product
Other
76 Borrowers
USD 186,019.45 Portfolio
Active Product

Loan Products » Summary

Farmer Loan
1,747 Borrowers
USD 154,289 Portfolio
Active Product
Working Capital Loan
7,025 Borrowers
USD 864,171 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan RWF 20,000 - 1,000,000 3 - 24 0% - 20% 0% - 20% Business Women, Men Credit Educ, Business Training, Other Training
Commerce Loan RWF 20,000 - 2,000,000 3 - 12 20% - 40% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business Credit Educ, Business Training, Other Training
Others Loan RWF 100,000 - 2,000,000 3 - 12 0% - 20% 0% - 20% Any Purpose Women, Men Credit Educ, Business Training, Education Finance

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Farmer Loan GHS 200 - 7,000 6 - 12 60% - 80% 0% - 20%
Working Capital Loan GHS 800 - 8,500 4 - 12 60% - 80% 0% - 20%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-0.00% annual, Flat 1 Fee 0 Ins 45.2% - 50.6% 54.3% - 60.1% 68
Working Capital Loan 39.00%-0.00% annual, Flat 2 Fees 1 Ins 77.2% - 104.7% 125.4% - 160.7% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 45.2% - 50.6% 54.3% - 60.1% 68
Working Capital Loan 39.00%-0.00% annual, Flat 2 Fees 1 Ins Ins 77.2% - 104.7% 125.4% - 160.7% 26
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyBusinessMultipleLoan PurposeWisigaraInstitutionRW-010-V02-P01RW-010-V02-P02RW-010-V02-P03ProductRWCountry2012YearRange Number2Institution Data Version0500,0001,000,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 50020020Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeAPEDInstitutionGH-006-V01-P01GH-006-V01-P02ProductGHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,7001,30080040040Number 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
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% Products with compulsory deposits
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