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Institution

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 135 months

Institution

Fondo de Desarrollo Microempresarial FODEMI Jaime Rivadeneira 6-88 y Mariano AcostaIbarra, Imbabura10-01-225
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

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

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fodemi.org/
Year established1995
Head of InstitutionLuis Ríos
Regions active
# Branches11

Total Portfolio (nat'l)USD 12,924,109.87
Total Portfolio (USD)USD 12,924,109.87
Active clients with loans28,232
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

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

Loan Products » Summary

11,146 Borrowers
USD 3,804,737.29 Portfolio
Active Product
15,616 Borrowers
USD 7,419,168.45 Portfolio
Active Product
1,470 Borrowers
USD 1,700,204.13 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Banca Comunal USD 50 - 4,000 7 - 24 60% - 80% 0% - 20% Business Women, Men, Have business, mín 7 personas y máx 25 personas de un mismo sector. Credit Educ, Group Mtgs, Credit Ins, Estos servicios no son cancelados por los clientes, los costos son asumidos por la Fundación.
Crédito Grupo Solidario USD 50 - 5,000 6 - 30 60% - 80% 40% - 60% Business Women, Men, Have business, Experiencia en el negocio, mínimo de 6 meses., mín de 3 y máximo 6 personas. Que vivan cerca. Credit Educ, Group Mtgs, Credit Ins, Estos servicios no son pagados por el cliente, los costos son asumidos ÂŽpor la Fundación.
Crédito Individual USD 400 - 6,000 6 - 30 40% - 60% 80% - 100% Business Women, Men, Have business, Experiencia en el negocio, mínimo 6 meses. Credit Educ, Credit Ins, Estos servicios no son pagados por el cliente, asume el costo la Fundación.

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
Crédito Banca Comunal 20.6%-22.6% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 22.3% 26.3% - 26.4% 78
Crédito Grupo Solidario 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.5% - 22.5% 24.2% - 26.7% 79
Crédito Individual 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.4% - 22.4% 24.1% - 26.5% 79

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Banca Comunal 20.6%-22.6% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 22.3% 26.3% - 26.4% 78
Crédito Grupo Solidario 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.5% - 22.5% 24.2% - 26.7% 79
Crédito Individual 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.4% - 22.4% 24.1% - 26.5% 79
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Key Statistics
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Loan Portfolio (USD)
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