| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.zigamacss.com/ |
| Year established | 1998 |
| Head of Institution | Geoffrey Byegeka |
| Regions active | Bugesera, Gasabo, Gicumbi, Huye, Karongi, Kicukiro, Muhanga, Musanze, Ngoma, Nyagatare, Nyarugenge |
| # Branches | 16 |
| Total Portfolio (nat'l) | RWF 38,189,281,936 |
| Total Portfolio (USD) | USD 59,670,753.03 |
| Active clients with loans | 53,806 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Rwanda Banking Association |
| Funders |
| 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 |
| 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 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Actuar Caldas | 3,700 | 5,247,000 | 1 | 172 |
| Actuar Quindio | 2,300 | 2,800,000 | 2 | 172 |
| Actuar Tolima | 8,800 | 5,099,000 | 3 | 172 |
| Amanecer | 4,300 | 8,253,000 | 4 | 172 |
| Banco Agrario | 56,300 | 39,938,000 | 3 | 172 |
| Banco WWB | 219,400 | 294,019,000 | 5 | 167 |
| Bancolombia | 36,200 | 51,563,000 | 1 | 172 |
| BdO | 10,400 | 7,945,000 | 2 | 172 |
| Comerciacoop | 1,600 | 3,255,000 | 4 | 172 |
| Confiar | 43,800 | 81,993,000 | 7 | 172 |
| Congente | 5,400 | 20,045,000 | 2 | 172 |
| Contactar | 25,100 | 20,184,000 | 2 | 172 |
| Crezcamos | 27,500 | 22,564,000 | 4 | 172 |
| Finamerica | 39,800 | 99,536,000 | 7 | 172 |
| FMM Popayán | 310,000 | 243,614,000 | 3 | 172 |
| FMSD | 6,800 | 9,236,000 | 6 | 172 |
| Fomentamos | 900 | 102,000 | 1 | 172 |
| Fund DeLaMujer | 199,900 | 165,568,000 | 1 | 172 |
| Fund Oleoductos | 500 | 435,000 | 1 | 167 |
| FUNDAUNIBAN | 600 | 1,307,000 | 2 | 172 |
| FUNDESAN | 2,400 | 2,521,000 | 5 | 172 |
| FUNDESMAG | 1,000 | 1,698,000 | 2 | 172 |
| Interactuar | 30,200 | 93,846,000 | 4 | 172 |
| MEDA | 15,600 | 27,322,000 | 2 | 172 |
| ProCredit CO | 5,700 | 18,569,000 | 3 | 172 |
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| % Products with compulsory deposits |
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