2. COOPEDU
Please note that the information you are viewing is 138 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: 138 months
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Product

Credit Minerval Product 7 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 24,232,424
Portfolio (USD)USD 38,464
Active Clients with Loans81
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit octroye aux membres de la COOPEDU pour payer les minervals (primaire, secondaire, universite). La garantie peut etre un bien meuble ou immeuble
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product3
Regions ActiveGasabo, Kicukiro, Nyarugenge

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 100,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00030%
RWF 500,000-1,500,00030%
RWF 1,500,000-2,500,00040%
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
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 interest1.40%
Highest quoted nominal interest1.40%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission sur credit
% 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?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAssurance sur credit
% of loan amount - min0.04%
% of loan amount - max1.12%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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?Yes
Percentage of fees18%
All or some fees taxedAll
Additional Comments
APR calcs have used insurance rates applicable to a 30 year old client

Full Pricing Data

Credit Minerval samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountRWF 107,400RWF 233,900RWF 480,000RWF 975,000RWF 2,000,000
Loan Cycle (1, 2, 3, etc)11111
Disbursement Date2012-03-062012-05-032012-04-272012-05-312012-04-23
Loan Term (Months)4.1 months6.0 months8.0 months12.0 months18.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditRWF 5,193.64RWF 14,809.67RWF 37,625.93RWF 106,224.14RWF 311,506
True Price by Comp         
Interest price component16.8%16.7%16.8%16.8%16.9%
Fee Component4.8%3.5%2.8%1.9%1.3%
Insurance Component0.4%0.4%0.4%0.4%0.4%
Tax Component0.9%0.7%0.5%0.4%0.4%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.9%21.3%20.5%19.5%19.0%
Transparency Index7379828689
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Credit Minerval Price Graphs


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  2. IDEPRO
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

IDEPRO DESARROLLO EMPRESARIAL CALLE CAMPOS NRO 132 ZONA SAN JORGELa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://WWW.IDEPRO.ORG/
Year established1988
Head of InstitutionROBERTO CASANOVAS SAINZ
Regions active0
# Branches15

Total Portfolio (nat'l)BOB 277,045,116.80
Total Portfolio (USD)USD 41,043,721.01
Active clients with loans5,428
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFINRURAL
Funders

Loan Products » Summary

Indiv BOB
350 Borrowers
USD 1,737,214.96 Portfolio
Active Product
Indiv USD
767 Borrowers
USD 3,964,385 Portfolio
Active Product
Pro Mic BOB
2,361 Borrowers
USD 7,365,532 Portfolio
Active Product
Pro Mic USD
3,351 Borrowers
USD 10,797,555 Portfolio
Active Product
Indi. Se USD
731 Borrowers
USD 3,541,302.91 Portfolio
Active Product
Microcredito
4,252 Borrowers
USD 11,355,954 Portfolio
Active Product
Tipo Pro Cad
248 Borrowers
USD 708,820 Portfolio
Active Product
Tipo USD
422 Borrowers
USD 1,358,175 Portfolio
Active Product
Servi USD
11 Borrowers
USD 130,112 Portfolio
Low Volume Product
Pro Cad BOB
2 Borrowers
USD 27,069.04 Portfolio
Low Volume Product
Pro Cad USD
4 Borrowers
USD 31,601 Portfolio
Low Volume Product
Tipo Pro BOB
3 Borrowers
USD 26,000 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
Crédito Individual - Pro Cadenas (BOB) BOB 780 - 354,000 3 - 72 20% - 40% 0% - 20% Business Women, Men, Have business Credit Educ, Credit Ins
Crédito Individual - Pro Cadenas (USD) USD 244 - 47,000 3.7 - 72 20% - 40% 20% - 40% Business, Capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecer a las cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Crédito Individual - Pro Micro (BOB) BOB 1,000 - 105,000 3 - 72 40% - 60% 60% - 80% Business, Capital de Inversión, Capital de Operaciones Women, Men, Have business Credit Educ, Credit Ins
Crédito Individual - Pro Micro (USD) USD 200 - 40,000 2.8 - 72 20% - 40% 40% - 60% Business, Capital de operación, Capital de inversión Women, Men, Have business, minimo 18 años y maximo 65 años Credit Ins
Crédito Individual - Servicios Especializados e Integrados USD 150 - 20,000 4 - 72 40% - 60% 0% - 20% Business, Capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecer a las cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Crédito Individual -Servicios de Microcrédito USD 150 - 15,000 4 - 72 40% - 60% 40% - 60% Business, Capital de operación, Capital de inversión Women, Men, Have business, minimo 18 años y maximo 65 años Credit Ins
Prendario Tipo Warrant - Pro Cadenas (USD) USD 500 - 10,000 17.7 - 72 20% - 40% 0% - 20% Business, capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecen a cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Prendario Tipo Warrant - Servicios Especializados e Integrados USD 500 - 10,000 10 - 72 0% - 20% 0% - 20% Business, capital de operación, inversión y/o pago de servic Women, Men, Have business, Pertenecen a cadenas productivas priorizadas por IDEPRO Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Individual - Pro Cadenas (BOB) 14.0%-24.0% annual, Decl Bal 1 Fee 1 Ins None N/A 15.8% - 19.8% 16.5% - 20.2% 79
Crédito Individual - Pro Cadenas (USD) 13.0%-28.0% annual, Decl Bal 1 Fee 1 Ins 15.00% Principal N/A 15.2% - 29.6% 15.8% - 29.6% 58
Crédito Individual - Pro Micro (BOB) 14.0%-35.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.3% - 30.4% 18.9% - 31.1% 55
Crédito Individual - Pro Micro (USD) 12.0%-35.0% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 25% - 32.6% 26.1% - 33.2% 39
Crédito Individual - Servicios Especializados e Integrados 14.0%-25.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Crédito Individual -Servicios de Microcrédito 16.0%-29.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Prendario Tipo Warrant - Pro Cadenas (USD) 16.0%-19.0% annual, Decl Bal 1 Fee 1 Ins 15.00% Principal N/A 7.5% - 17.4% 7.6% - 17.5% 100
Prendario Tipo Warrant - Servicios Especializados e Integrados 16.0%-19.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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