2. COOPEDU
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PCSD
Please note that the information you are viewing is 152 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 KICUKIROKIGALIB.P 4053 KIGALI
Data approved: 2011-09-16
Data version: 1
Age of data: -   months 
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Institution

People's Center for Sustainable Development Purok 3, ArimbayLegaspi City, Albay4500
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Product

Credit Deplacement Product 3 of 9 « Prev | Next »

Product

Livelihood Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers7
Loan Amount (range)0
Loan Term (range)0
Other Services (text summary)
Annual Interest & Method0.00% annual, 0
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component21.0% - 21.7% (Int+Fee)
Insurance Component0 - 22.8%
Tax Component Range-22.8% - 11.7%
Full APR (int fee ins tax dep)34.3% - 37.9%
Transparency Index (min/max)0 - N/A
Transparency Index (average)

Product Summary

717
PHP 1,000 - 60,000
1 - 12
Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Social Services, Spiritual formation (Bible study), Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin
24.0%-36.0% annual, Flat
1.70%-2.00% upfront 1.70%-2.00% upfront
100.00 upfront 0.50%-1.00% upfront
None
2.0% upfront 100.00 ongoing
 
N/A
48.1% - 95.4% (Int+Fee)
9.1% - 103.0%
0
88.9% - 175.8%
14 - 27
21

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 20,249,410
Portfolio (USD)USD 34,321
Active Clients with Loans7
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Cr?dit octroy? aux hommes ou aux femmes pour acheter un v?hicule, moto, etc. Le v?hicule achet? constitu la garantie.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 7,000,000
Portfolio (USD)USD 167,464.11
Active Clients with Loans717
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Loans extended to members for income-generating activities
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial Services, Spiritual formation (Bible study)
Other (2)Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherHas no history of loan delinquency
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan size0
Maximum loan size0
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest0
Highest quoted nominal interest0
Interest rate period
Interest Rate Calculation Method0
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
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 variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAssurance sur credit - depends on age, loan amount, loan term
% of loan amount - min1.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose, < 2000 - 2% 200001 - 350000 - 2.5% 35001 - 60,000 - 3%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeOrganizational Devt. Fund (ODF)
% of loan amount - min1.70%1.70%
% of loan amount - max2.00%2.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionPension Plan (per month)Loan Insurance
% of loan amount - min00.50%
% of loan amount - max01.00%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaIf loan is payable within 1 month, no retention fund detection
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited2.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 100 - N/A
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
ODF - maximum amount of P5 per year per member. Used for expenses incurred during AGM, Christmas party and skills training. Mutual Benefit Fund Contribution - P25 x loan term in months; provides hospitalization allowance and death benefit (P2,-1,). CBU: 1 per month Interest rebates are given to those with good repayment record. Interest is recomputed based on diminishing balance. Loan insurance - .5% if less than 6 months, 1% if more than 6 months Interest is pre-deducted from the loan. Collection charge is collected from borrowers who do not voluntarily go to the PCSD office to remit their payment.

Full Pricing Data

Credit Deplacement samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 1,260,000RWF 2,800,000RWF 3,600,000RWF 3,600,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)18.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.7%21.1%21.2%21.0%
Insurance Component0.5%1.4%0.1%2.3%
Tax Component0.2%0.1%0.1%0.1%
Deposit Component15.3%13.7%12.9%14.3%
Full APR (int fee ins tax dep)37.8%36.4%34.3%37.9%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Livelihood Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-162011-07-182011-07-082011-07-282011-07-08
Loan Term (Months)3.0 months8.0 months3.3 months3.3 months3.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component57.9%48.1%66.6%95.4%76.1%
Insurance Component103.0%52.9%24.2%15.7%9.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component14.9%13.4%4.9%5.4%3.7%
Full APR (int fee ins tax dep)175.8%114.4%95.7%116.6%88.9%
Transparency Index1421252127
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Credit Deplacement Price Graphs


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Livelihood Loan Price Graphs


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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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