2. Zigama CSS
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ACLEDA
Please note that the information you are viewing is 173 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Zigama Credit and Savings Society Head OfficeKigali, GasaboPO Box BP4772
Data approved: 2011-09-16
Data version: 1
Age of data: 166 months

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 173 months
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.zigamacss.com/
Year established1998
Head of InstitutionGeoffrey Byegeka
Regions activeBugesera, Gasabo, Gicumbi, Huye, Karongi, Kicukiro, Muhanga, Musanze, Ngoma, Nyagatare, Nyarugenge
# Branches16

Total Portfolio (nat'l)RWF 38,189,281,936
Total Portfolio (USD)USD 59,670,753.03
Active clients with loans53,806
Approximate % female clients0% - 20%
Approximate % urban clients0% - 20%
Network affiliationsRwanda Banking Association
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acledabank.com.kh/
Year established1993
Head of InstitutionMr. In Channy
Regions active
# Branches233

Total Portfolio (nat'l)KHR 889,996,000,000
Total Portfolio (USD)USD 225,315,443
Active clients with loans235,257
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Medium Term
13,750 Borrowers
USD 15,625,000 Portfolio
Active Product
Short Term
38,500 Borrowers
USD 43,750,000 Portfolio
Active Product

Loan Products » Summary

Micro KHR
139,997 Borrowers
USD 56,821,772.15 Portfolio
Active Product
Micro USD
26,191 Borrowers
USD 16,854,649 Portfolio
Active Product
Micro THB
7,344 Borrowers
USD 5,114,741.63 Portfolio
Active Product
Small KHR
5,221 Borrowers
USD 9,206,850.40 Portfolio
Active Product
Small USD
54,364 Borrowers
USD 120,849,087.90 Portfolio
Active Product
Small THB
2,140 Borrowers
USD 6,239,555.23 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Medium Term Loan RWF 1,000,000 - 50,000,000 36 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Only members - soldiers, police officers, veterans, Spouses and widows of these groups Credit Educ
Short Term Loan RWF 100,000 - 5,000,000 3 - 36 0% - 20% 0% - 20% Business, Consumer, Education, Other, Medicals bills, Insurance, Marriage Women, Men, Only members - soldiers, police officers, veterans, Spouses and widows of these groups Credit Educ

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (KHR) KHR 50,000 - 6,000,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (USD) USD 300 - 1,500 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (THB) THB 7,000 - 60,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Small Loan (KHR) KHR 6,000,001 - 39,999,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (USD) USD 1,501 - 9,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (THB) THB 60,001 - 399,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Medium Term Loan 13.00%-13.50% annual, Decl Bal 2 Fees 0 Ins None 10.00% upfront 13.1% - 14.4% 15.6% - 17.3% 78
Short Term Loan 15.00% annual, Decl Bal 2 Fees 0 Ins None 30.00% upfront 14.2% - 39.9% 24.7% - 57.5% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (KHR) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.9% 30.4% - 32.9% 89
Micro Loan (USD) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.5% - 33% 30.5% - 33% 90
Micro Loan (THB) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 33% 30.4% - 33% 91
Small Loan (KHR) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 26.8% - 29.2% 26.8% - 29.2% 87
Small Loan (USD) 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.9% - 23.2% 21.9% - 23.2% 80
Small Loan (THB) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 29.2% - 29.3% 29.2% - 29.3% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Medium Term Loan 13.00%-13.50% annual, Decl Bal 2 Fees 0 Ins Ins None 10.00% upfront 13.1% - 14.4% 15.6% - 17.3% 78
Short Term Loan 15.00% annual, Decl Bal 2 Fees 0 Ins Ins None 30.00% upfront 14.2% - 39.9% 24.7% - 57.5% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (KHR) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.9% 30.4% - 32.9% 89
Micro Loan (USD) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.5% - 33% 30.5% - 33% 90
Micro Loan (THB) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 33% 30.4% - 33% 91
Small Loan (KHR) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 26.8% - 29.2% 26.8% - 29.2% 87
Small Loan (USD) 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.9% - 23.2% 21.9% - 23.2% 80
Small Loan (THB) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.2% - 29.3% 29.2% - 29.3% 82
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyMultipleLoan PurposeZigama CSSInstitutionRW-014-V01-P01RW-014-V01-P02ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 7,7005,7003,8001,900200Number 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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Institution Price Graph
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P01KH-001-V02-P04ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 34,00026,00017,0008,700900Number 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.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P02KH-001-V02-P05ProductKHCountry2011YearRange Number2Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 10,0008,1005,4002,700300Number 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.
Microloan Products offered in THB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P03KH-001-V02-P06ProductKHCountry2011YearRange Number2Institution Data Version050,000100,000150,000200,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1,8001,30090040050Number 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.
Click to view Price Analysis Tool
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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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