Please note that the information you are viewing is 59 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association for Gender Awareness & Human Empowerment 3-A Lalazar Colony, Phase 2, Raiwind RoadLahore, Punjab
Data approved: 2015-05-04
Data version: 2
Age of data: 59 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 81,039,323
Portfolio (USD)USD 795,806.15
Active Clients with Loans7,360
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
OtherGroup Lending with Social Collateral
Description
Range of loan amount in this product is Rs. 5,000 to Rs. 30,000 but generally we disburse Rs. 15,000 in 1st loan cycle.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00090%
PKR 25,000-50,00010%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Charges
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fees
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

General Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 15,000 Real 2015-04-06 12.0 months N/A PKR 3,375 39.6% 34.7% 2.9% 2.0% 0.0% 0.0% 50 PDF PDF
PKR 15,000 Generated 2015-05-01 12.0 months N/A PKR 3,366.78 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 25,000 Real 2015-03-12 12.0 months N/A PKR 5,625 39.3% 34.4% 2.9% 2.0% 0.0% 0.0% 51 PDF PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 5,611.30 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 16,000 Generated 2015-05-01 12.0 months N/A PKR 3,591.23 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 18,000 Generated 2015-05-01 12.0 months N/A PKR 4,040.14 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 4,489.04 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 4,937.95 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 26,000 Generated 2015-05-01 12.0 months N/A PKR 5,835.75 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
PKR 30,000 Generated 2015-05-01 12.0 months N/A PKR 6,733.56 39.6% 34.6% 3.0% 2.0% 0.0% 0.0% 51 - PDF
General Loans Price Graphs


Please note that the information you are viewing is 89 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPEDU District KicukiroKigaliPO Box 4053
Data approved: 2012-09-28
Data version: 2
Age of data: 89 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopedu.rw/
Year established1997
Head of InstitutionMurebwayire Denise
Regions activeGasabo, Kicukiro
# Branches7

Total Portfolio (nat'l)RWF 4,756,395,805
Total Portfolio (USD)USD 7,549,834.61
Active clients with loans2,029
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAMIR
Funders

Loan Products » Summary

266 Borrowers
USD 234,227 Portfolio
Active Product
338 Borrowers
USD 245,613 Portfolio
Active Product
169 Borrowers
USD 153,819 Portfolio
Active Product
81 Borrowers
USD 38,464 Portfolio
Active Product
994 Borrowers
USD 6,307,562 Portfolio
Active Product
25 Borrowers
USD 136,324 Portfolio
Low Volume Product
48 Borrowers
USD 222,359 Portfolio
Low Volume Product
26 Borrowers
USD 23,170 Portfolio
Low Volume Product
25 Borrowers
USD 1,351 Portfolio
Low Volume 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
Avance Sur Salaire RWF 150,000 - 3,500,000 6 - 24 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker
Credit Femmes Entrepreneurs RWF 300,000 - 2,000,000 6 - 12 80% - 100% 80% - 100% Business Women, Have business, Must be a COOPEDU member for at least 1 month.
Credit Group D'Epargne Et Credit RWF 300,000 - 2,400,000 4 - 12 80% - 100% 80% - 100% Business Women
Credit Minerval RWF 100,000 - 2,000,000 3 - 12 80% - 100% 80% - 100% Education Women, Men Credit Educ, Other Training
Credit Ordinaire RWF 500,000 - 30,000,000 12 - 60 60% - 80% 80% - 100% Business, Housing, Consumer Women, Men Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Avance Sur Salaire 20.40% annual, Decl Bal 1 Fee 1 Ins 18.00% fees N/A 20.8% - 21.6% 21.5% - 22.5% 92
Credit Femmes Entrepreneurs 12.96% annual, Flat 1 Fee 1 Ins 18.00% fees 20.00% upfront 24.7% - 25% 49.2% - 83.5% 18
Credit Group D'Epargne Et Credit 26.00% annual, Flat 1 Fee 2 Ins 18.00% fees 10.00% upfront 49.8% - 51.4% 70% - 74.2% 36
Credit Minerval 16.80% annual, Decl Bal 1 Fee 1 Ins 18.00% fees N/A 18.2% - 21.6% 19% - 22.9% 81
Credit Ordinaire 20.40% annual, Decl Bal 1 Fee 1 Ins 18.00% fees N/A 21% - 22.1% 21.7% - 22.9% 91
Institution Price Graph
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Loan Portfolio (USD)
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% Products with one or more insurances
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