| 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 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.vdopak.org |
| Year established | 1993 |
| Head of Institution | Muhammad Rafique Talpur |
| Regions active | Sindh |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 47,938,384 |
| Total Portfolio (USD) | USD 489,167.18 |
| Active clients with loans | 3,912 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MON-PAK, SMN, STOP TB Partnership, CERISE Certified |
| Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group, Must have relevant (enterpise/business) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure visit | |||||||
| Agriculture Loan | PKR 5,000 - 30,000 | 6 - 9 | 20% - 40% | 0% | Business, Agriculture | Women, Men, Specific age group, Must have relevant (agriculture/farming) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit | |||||||
| Live Stock Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Specific age group, Must have relevant (livestock) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
| Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
| Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
| Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
| Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
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| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
