2. Wasasa
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ACB-SA
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Wasasa MFI AlemgenaOromiaP O Box 1192
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 136 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionAmsalu Alemayehu Gutema
Regions active
# Branches24

Total Portfolio (nat'l)ETB 113,970,892
Total Portfolio (USD)USD 6,194,070.22
Active clients with loans53,981
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, PAMIGA
FundersTerrafina, Cordaid, Ethio Italian Rural Development Cooperation, World Solidarity Movement

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acb.rw
Year established2006
Head of InstitutionFroduald Munyankiko
Regions activeBugesera, Kicukiro
# Branches6

Total Portfolio (nat'l)RWF 930,061,222
Total Portfolio (USD)USD 1,476,287.65
Active clients with loans4,335
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR, Terrafina
FundersAfrican Evangelical Enterprise, Rwanda, Aquadev, Kiva, Terrafina

Loan Products » Summary

Employee
4,002 Borrowers
USD 493,914.29 Portfolio
Active Product
Enterprise
452 Borrowers
USD 72,351.36 Portfolio
Active Product
Individual
393 Borrowers
USD 326,133.70 Portfolio
Active Product
Large Group
44,503 Borrowers
USD 4,906,114.40 Portfolio
Active Product

Loan Products » Summary

Curuza
187 Borrowers
USD 337,908 Portfolio
Active Product
Hembwa
1,067 Borrowers
USD 138,600 Portfolio
Active Product
Kaze
2,764 Borrowers
USD 468,488 Portfolio
Active Product
Tunga
137 Borrowers
USD 268,414 Portfolio
Active Product
Ezukame
48 Borrowers
USD 75,486 Portfolio
Low Volume Product
Ganaza
28 Borrowers
USD 93,712 Portfolio
Low Volume Product
Hembwa Wage Express
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Employee Loan ETB 1,000 - 10,000 4 - 24 0% - 20% 80% - 100% Housing, Consumer, Education Women, Men, Salaried worker Credit Educ
Enterprise Loan ETB 2,000 - 10,000 4 - 12 20% - 40% 80% - 100% Business Women, Men, Have business, Must be urban or semi-urban, not for rural clients. Credit Educ, Business Training
Individual Loan ETB 5,000 - 150,000 4 - 24 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Large Group Loan ETB 100 - 5,000 4 - 12 40% - 60% 0% - 20% Any Purpose Women, Men Credit Educ, Other Training, Agricultural Training

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65

Loan Products » Pricing Information

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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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
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