2. CIDRE
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
  2. ACB-SA
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

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 124 months
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Institution

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 137 months
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Product

Credito Hipotecaria (BOB) Product 3 of 8 « Prev | Next »

Product

Hembwa Wage MT & LT Product 4 of 7 « Prev | Next »

Product Summary

Number borrowers987
Loan Amount (range)BOB 3,500 - 843,200
Loan Term (range)12 - 96
Other Services (text summary)Credit Ins
Annual Interest & Method17.0%-25.0% annual, Decl Bal
FeesNone
Insurance0.60%-4.80% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.1% - 26.7%
Fee Component0 - 1.0%
Insurance Component0 - 1.1%
Tax Component Range0 - 0.2%
Full APR (int fee ins tax dep)18.8% - 23.0%
Transparency Index (min/max)59 - 97
Transparency Index (average)81

Product Summary

1,067
RWF 10,000 - 5,000,000
1 - 36
15.00% annual, Flat
2 fees
0.06%-10.45% upfront
18.00% fees
N/A
 
22.9% - 57.1%
2.1% - 24.7%
0 - 0.8%
0.5% - 4.7%
29.5% - 45.1%
16 - 53
44

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 28,991,985
Portfolio (USD)USD 4,295,108.89
Active Clients with Loans987
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El financiamiento para este tipo de crédito es destinado a la compra, construcción, refacción o ampliación de vivienda, que se constituye en garantía; desde US$ 1.000 y hasta el 1% del patrimonio neto del CIDRE.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 87,318,036
Portfolio (USD)USD 138,600
Active Clients with Loans1,067
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is reserved for salaried people mostly of the of the private sector. The term of the loan varyies between 1 & 36 months and the maximum amount is 10 times their salary.
Loan Purpose
Any purposex
Income generation
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product5
Regions ActiveBugesera, Kicukiro, Nyarugenge, Rubavu, Rusizi

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 3,500
Maximum loan size843,200
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00020%
BOB 40,000-70,00020%
BOB 70,000-100,00015%
BOB 100,000-125,00015%
Greater than BOB 125,00015%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term96.0 months
Approx average48.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 10,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,0000
RWF 500,000-1,500,0005%
RWF 1,500,000-2,500,00015%
RWF 2,500,000-3,500,00030%
RWF 3,500,000-4,500,00010%
Greater than RWF 4,500,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average19.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months10%
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months10%
Longer than 18 months20%
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 interest17.00%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.60%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
Appears on Repayment Sched?Yes
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeeLoan Application & Collateral Visit Fee
% of loan amount - min1.50%0
% of loan amount - max1.50%0
OR, Fixed amount - min015,000
Fixed amount - max015,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommission on Insurance
% of loan amount - min0.06%
% of loan amount - max10.45%
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 calculations have used insurance rates applicable to a 30 year old client.

Full Pricing Data

Credito Hipotecaria (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 28,000BOB 42,000BOB 83,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-06-292013-05-042013-06-15
Loan Term (Months)24.0 months37.0 months61.0 months
Grace Period (Months)-0.3 months0.0 months0.0 months
Total Cost of CreditBOB 6,531.44BOB 12,237.34BOB 44,985.57
True Price by Comp     
Interest price component22.4%18.2%20.7%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.0%18.8%21.3%
Transparency Index749180
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Hembwa Wage MT & LT samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 250,000RWF 500,000RWF 1,000,000RWF 1,500,000RWF 3,064,540
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-04-162012-05-112012-04-252012-08-222012-05-02
Loan Term (Months)12.0 months24.0 months23.0 months28.0 months13.0 months
Grace Period (Months)1.0 month1.0 month1.3 months1.0 month1.0 month
Total Cost of CreditRWF 60,457.49RWF 179,894.70RWF 321,256.42RWF 579,284.13RWF 580,135.15
True Price by Comp         
Interest price component26.3%26.2%26.0%26.1%26.3%
Fee Component15.1%4.9%3.4%2.3%3.6%
Insurance Component0.6%0.6%0.7%0.6%0.5%
Tax Component3.1%1.0%0.7%0.5%0.8%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)45.1%32.7%30.8%29.5%31.2%
Transparency Index3346495148
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Credito Hipotecaria (BOB) Price Graphs


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Hembwa Wage MT & LT 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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