2. UCU
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. NRSP
Please note that the information you are viewing is 108 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union of Savings and Credit Cooperatives (UCU) NyarugengeNyamiramboKigaliPO Box 2998
Data approved: 2012-10-29
Data version: 2
Age of data: 137 months
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Institution

NATIONAL RURAL SUPPORT PROGRAM 46, Aga Khan Road, F-6/4Islamabad44000
Data approved: 2015-04-17
Data version: 1
Age of data: 108 months

Product

Decouvert (One Month) Loan Product 3 of 7 « Prev | Next »

Product

Enterprise Development Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers52
Loan Amount (range)RWF 500,000 - 1,500,000
Loan Term (range)1
Other Services (text summary)Credit Educ, Credit Ins, Business Training
Annual Interest & Method96.00% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.3% - 93.8%
Fee Component0 - 2.7%
Insurance Component0 - 0.6%
Tax Component Range0 - 0.6%
Full APR (int fee ins tax dep)93.8%
Transparency Index (min/max)0
Transparency Index (average)100

Product Summary

191,998
PKR 15,000 - 70,000
12
28.0% annual, Decl Bal
400.00 upfront
100.00 upfront
None
N/A
 
27.7% - 27.8%
0.9% - 7.1%
0.2% - 1.8%
0
29.1% - 32.6%
76 - 97
91

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 38,000,000
Portfolio (USD)USD 63,333
Active Clients with Loans52
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short term loan for business owners which must be paid once. The loan term is one month or less.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 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 institution10
# Regions for this product10
Regions ActiveGakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,857,472,008
Portfolio (USD)USD 28,060,375.12
Active Clients with Loans191,998
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
The loan is provided for working capital for running small businesses, such as grocery, repair shops, micro labour intensive production units such as handicrafts/decoration, services such as computer/internet kiosk etc
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 servicesx
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 institution6
# Regions for this product4
Regions ActiveAzad Kashmir, Islambad Capital Territory, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 500,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,0000
RWF 500,000-1,500,000100%
RWF 1,500,000-2,500,0000
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 term1.0 month
Longest loan term1.0 month
Approx average1.0 month
Distribution at Disbursement (Est.)
Loans 3 months or less100%
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
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 paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00060%
PKR 50,000-75,00020%
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
Monthly1
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest8.00%
Highest quoted nominal interest8.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing/Documentation Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
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
Additional Comments
Minimum loan period and loan amount is not Fixed in the policy. The same reported above is actual for the current year.

Full Pricing Data

Decouvert (One Month) Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 500,000RWF 500,000RWF 1,000,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-102012-09-102012-09-102012-09-10
Loan Term (Months)1.0 month1.0 month1.0 month1.0 month
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditRWF 40,000RWF 40,000RWF 80,000RWF 80,000
True Price by Comp       
Interest price component93.8%93.8%93.8%93.8%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)93.8%93.8%93.8%93.8%
Transparency Index0000
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Enterprise Development 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 25,000 Real 2014-09-04 12.0 months N/A PKR 4,452 31.7% 27.8% 3.1% 0.8% 0.0% 0.0% 88 PDF PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 4,461.99 31.6% 27.7% 3.1% 0.8% 0.0% 0.0% 89 - PDF
PKR 50,000 Real 2014-12-12 12.0 months N/A PKR 8,404 29.7% 27.7% 1.6% 0.4% 0.0% 0.0% 94 PDF PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 8,423.97 29.6% 27.7% 1.5% 0.4% 0.0% 0.0% 95 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 3,669.59 32.6% 27.7% 3.9% 1.0% 0.0% 0.0% 86 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 5,254.38 30.9% 27.7% 2.6% 0.6% 0.0% 0.0% 91 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 6,046.78 30.5% 27.7% 2.2% 0.6% 0.0% 0.0% 92 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 6,839.18 30.1% 27.7% 1.9% 0.5% 0.0% 0.0% 93 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 7,631.57 29.8% 27.7% 1.7% 0.4% 0.0% 0.0% 94 - PDF
PKR 70,000 Generated 2015-06-01 12.0 months N/A PKR 11,593.56 29.1% 27.7% 1.1% 0.3% 0.0% 0.0% 96 - PDF
Decouvert (One Month) Loan Price Graphs


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Enterprise Development 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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X Axis
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By Country

Total Borrowers of Samples

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