2. CEPESIU
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wisigara
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 163 months

Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 136 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressn/a
Year established2003
Head of InstitutionFlorent Majyambere
Regions activeBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu
# Branches11

Total Portfolio (nat'l)RWF 579,013,264
Total Portfolio (USD)USD 904,708.23
Active clients with loans2,177
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAMIR
FundersTerrafina, Banque Rwandaise Developpement, AQUADEV, RaboBank

Loan Products » Summary

Directo
166 Borrowers
USD 66,556.84 Portfolio
Active Product
Individual
176 Borrowers
USD 157,302.20 Portfolio
Active Product
Solidario
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Summary

Agriculture
1,039 Borrowers
USD 529,287.62 Portfolio
Active Product
Commerce
1,062 Borrowers
USD 189,401.16 Portfolio
Active Product
Other
76 Borrowers
USD 186,019.45 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan RWF 20,000 - 1,000,000 3 - 24 0% - 20% 0% - 20% Business Women, Men Credit Educ, Business Training, Other Training
Commerce Loan RWF 20,000 - 2,000,000 3 - 12 20% - 40% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business Credit Educ, Business Training, Other Training
Others Loan RWF 100,000 - 2,000,000 3 - 12 0% - 20% 0% - 20% Any Purpose Women, Men Credit Educ, Business Training, Education Finance

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35
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