| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.contactar-pasto.org/ |
| Year established | 1971 |
| Head of Institution | Gloria Lucía Bustos Chaves |
| Regions active | |
| # Branches | 21 |
| Total Portfolio (nat'l) | COP 34,006,476,957 |
| Total Portfolio (USD) | USD 18,684,877.45 |
| Active clients with loans | 24,982 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | EMPRENDER, FOROLACFR |
| Funders | CORPONARIÑO - GTZ, ARTESANIAS DE COLOMBIA, FUNDACION SOCIAL, CORFAS |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.acb.rw |
| Year established | 2006 |
| Head of Institution | Froduald Munyankiko |
| Regions active | Bugesera, Kicukiro |
| # Branches | 6 |
| Total Portfolio (nat'l) | RWF 930,061,222 |
| Total Portfolio (USD) | USD 1,476,287.65 |
| Active clients with loans | 4,335 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | AMIR, Terrafina |
| Funders | African Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | COP 12,875,001 - 103,000,000 | 1 - 60 | 40% - 60% | 40% - 60% | Any Purpose, Principalmente para capital de trabajo y activos f, Sustitución de pasivos | Women, Men, Have business | Eventualmente capacitación y asistencia técnica | |||||||
| Microcrédito | COP 200,000 - 103,000,000 | 1 - 60 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Eventualmente capacitación y asistencia técnica |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Curuza (Business) MT & LT | RWF 100,000 - 10,000,000 | 4 - 36 | 0% - 20% | 80% - 100% | Business | Men, Have business | ||||||||
| Hembwa Wage MT & LT | RWF 10,000 - 5,000,000 | 1 - 36 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Kaze (Solidarity Group) GS & GS-PU | RWF 10,000 - 500,000 | 4 - 12 | 0% - 20% | 0% - 20% | Business, Housing, Education | Men, Have business | ||||||||
| Tunga Women MT & LT | RWF 100,000 - 10,000,000 | 1 - 36 | 80% - 100% | 40% - 60% | Any Purpose | Women, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | 23.8% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 21.2% - 21.3% | 22.5% - 22.7% | 100 | ||||||||
| Microcrédito | 25.0%-31.9% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 38.4% - 41.2% | 39.6% - 42.6% | 61 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Curuza (Business) MT & LT | 15.00%-60.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | 20.00% upfront | 28.4% - 73.8% | 43.3% - 96.6% | 24 | ||||||||
| Hembwa Wage MT & LT | 15.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | N/A | 28.4% - 41.4% | 29.5% - 45.1% | 44 | ||||||||
| Kaze (Solidarity Group) GS & GS-PU | 30.00% annual, Flat | 2 Fees | 0 Ins | 18.00% fees | N/A | 52% - 69.5% | 56.7% - 73.3% | 47 | ||||||||
| Tunga Women MT & LT | 14.00%-60.00% annual, Flat | 2 Fees | 1 Ins | 18.00% fees | 10.00% upfront | 27.3% - 68.4% | 34.7% - 79% | 25 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | 23.8% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 21.2% - 21.3% | 22.5% - 22.7% | 100 | ||||||||
| Microcrédito | 25.0%-31.9% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 38.4% - 41.2% | 39.6% - 42.6% | 61 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Curuza (Business) MT & LT | 15.00%-60.00% annual, Flat | 2 Fees | 1 Ins Ins | 18.00% fees | 20.00% upfront | 28.4% - 73.8% | 43.3% - 96.6% | 24 | ||||||||
| Hembwa Wage MT & LT | 15.00% annual, Flat | 2 Fees | 1 Ins Ins | 18.00% fees | N/A | 28.4% - 41.4% | 29.5% - 45.1% | 44 | ||||||||
| Kaze (Solidarity Group) GS & GS-PU | 30.00% annual, Flat | 2 Fees | 0 Ins Ins | 18.00% fees | N/A | 52% - 69.5% | 56.7% - 73.3% | 47 | ||||||||
| Tunga Women MT & LT | 14.00%-60.00% annual, Flat | 2 Fees | 1 Ins Ins | 18.00% fees | 10.00% upfront | 27.3% - 68.4% | 34.7% - 79% | 25 |
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