Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.vfcrwanda.com/ |
Year established | 1999 |
Head of Institution | Shem Kakembo |
Regions active | Bugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, HuyeKayonza, Kicukiro, Kirehe, Musanze, Ngoma, Ngororero, Nyabihu, Nyamagabe, Nyarugenge |
# Branches | 0 |
Total Portfolio (nat'l) | RWF 2,223,773,287 |
Total Portfolio (USD) | USD 3,474,645.76 |
Active clients with loans | 14,226 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 20% - 40% |
Network affiliations | AMIR, World Vision International, MAIN, ANAFI |
Funders | Vision Fund International, Terrafina, KIVA, Triple Jump |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.celim.it/ |
Year established | 2008 |
Head of Institution | Elisa Morrone |
Regions active | |
# Branches | 2 |
Total Portfolio (nat'l) | ZMK 2,360,550,702 |
Total Portfolio (USD) | USD 456,145.06 |
Active clients with loans | 1,559 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Amiz, Mix Market |
Funders | Rural Finance Programme/IFAD, European Union, CeLIM NGO |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Akarusho (Progress Equipment) Loan | RWF 96,000 - 700,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Inyongerabukungu (Grow the Economy) Loan | RWF 500,000 - 2,000,000 | 3 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
Iyambere (Individual Progress) Loan | RWF 500,000 - 4,000,000 | 3 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have collateral | Credit Educ, Group Mtgs, Credit Ins | |||||||
Koramuhinzi (Farmers Please Work) Loan | RWF 10,000 - 300,000 | 3 - 9 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Ubwizerane (Trust) Loan | RWF 150,000 - 250,000 | 3 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Urunana (Community Bank) Loan | RWF 30,000 - 495,000 | 3 - 8 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | ZMK 2,000,000 - 6,000,000 | 10 - 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Small scale farmers, minimum one hectare | Business Training, Microcredit Scheme | |||||||
Individual Loan | ZMK 500,000 - 7,000,000 | 4 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Household Approach, Monthly follow up of clients | |||||||
Salary Backed Loan | ZMK 500,000 - 7,000,000 | 2 - 10 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
Solidarity Group Loan | ZMK 400,000 - 1,200,000 | 4 - 10 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Record Keeping Training, Household Approach Training, Monthly Monitoring |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Akarusho (Progress Equipment) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 53.6% - 55.6% | 55.5% - 57.9% | 53 | ||||||||
Inyongerabukungu (Grow the Economy) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 37.4% - 59.1% | 41.2% - 63.7% | 61 | ||||||||
Iyambere (Individual Progress) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 44.2% - 58% | 46% - 61.3% | 56 | ||||||||
Koramuhinzi (Farmers Please Work) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 37.2% - 37.4% | 51.8% - 52.1% | 57 | ||||||||
Ubwizerane (Trust) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 60% - 62.1% | 95.8% - 100.5% | 30 | ||||||||
Urunana (Community Bank) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 28.7% - 37.2% | 42% - 51.8% | 61 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Akarusho (Progress Equipment) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 53.6% - 55.6% | 55.5% - 57.9% | 53 | ||||||||
Inyongerabukungu (Grow the Economy) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 37.4% - 59.1% | 41.2% - 63.7% | 61 | ||||||||
Iyambere (Individual Progress) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 44.2% - 58% | 46% - 61.3% | 56 | ||||||||
Koramuhinzi (Farmers Please Work) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 37.2% - 37.4% | 51.8% - 52.1% | 57 | ||||||||
Ubwizerane (Trust) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 60% - 62.1% | 95.8% - 100.5% | 30 | ||||||||
Urunana (Community Bank) Loan | 30.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 28.7% - 37.2% | 42% - 51.8% | 61 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |