| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Islambad Capital Territory, Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 78,225,144 |
| Total Portfolio (USD) | USD 768,170.91 |
| Active clients with loans | 4,024 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN) |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.coopedu.rw/ |
| Year established | 1997 |
| Head of Institution | Murebwayire Denise |
| Regions active | Gasabo, Kicukiro |
| # Branches | 7 |
| Total Portfolio (nat'l) | RWF 4,756,395,805 |
| Total Portfolio (USD) | USD 7,549,834.61 |
| Active clients with loans | 2,029 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AMIR |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avance Sur Salaire | RWF 150,000 - 3,500,000 | 6 - 24 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Credit Femmes Entrepreneurs | RWF 300,000 - 2,000,000 | 6 - 12 | 80% - 100% | 80% - 100% | Business | Women, Have business, Must be a COOPEDU member for at least 1 month. | ||||||||
| Credit Group D'Epargne Et Credit | RWF 300,000 - 2,400,000 | 4 - 12 | 80% - 100% | 80% - 100% | Business | Women | ||||||||
| Credit Minerval | RWF 100,000 - 2,000,000 | 3 - 12 | 80% - 100% | 80% - 100% | Education | Women, Men | Credit Educ, Other Training | |||||||
| Credit Ordinaire | RWF 500,000 - 30,000,000 | 12 - 60 | 60% - 80% | 80% - 100% | Business, Housing, Consumer | Women, Men | Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 32.9% - 34% | 32.9% - 34% | 78 | ||||||||
| Commerce Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 33.8% - 36.3% | 33.8% - 36.3% | 74 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avance Sur Salaire | 20.40% annual, Decl Bal | 1 Fee | 1 Ins | 18.00% fees | N/A | 20.8% - 21.6% | 21.5% - 22.5% | 92 | ||||||||
| Credit Femmes Entrepreneurs | 12.96% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 20.00% upfront | 24.7% - 25% | 49.2% - 83.5% | 18 | ||||||||
| Credit Group D'Epargne Et Credit | 26.00% annual, Flat | 1 Fee | 2 Ins | 18.00% fees | 10.00% upfront | 49.8% - 51.4% | 70% - 74.2% | 36 | ||||||||
| Credit Minerval | 16.80% annual, Decl Bal | 1 Fee | 1 Ins | 18.00% fees | N/A | 18.2% - 21.6% | 19% - 22.9% | 81 | ||||||||
| Credit Ordinaire | 20.40% annual, Decl Bal | 1 Fee | 1 Ins | 18.00% fees | N/A | 21% - 22.1% | 21.7% - 22.9% | 91 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 32.9% - 34% | 32.9% - 34% | 78 | ||||||||
| Commerce Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 33.8% - 36.3% | 33.8% - 36.3% | 74 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avance Sur Salaire | 20.40% annual, Decl Bal | 1 Fee | 1 Ins Ins | 18.00% fees | N/A | 20.8% - 21.6% | 21.5% - 22.5% | 92 | ||||||||
| Credit Femmes Entrepreneurs | 12.96% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 20.00% upfront | 24.7% - 25% | 49.2% - 83.5% | 18 | ||||||||
| Credit Group D'Epargne Et Credit | 26.00% annual, Flat | 1 Fee | 2 Ins Ins | 18.00% fees | 10.00% upfront | 49.8% - 51.4% | 70% - 74.2% | 36 | ||||||||
| Credit Minerval | 16.80% annual, Decl Bal | 1 Fee | 1 Ins Ins | 18.00% fees | N/A | 18.2% - 21.6% | 19% - 22.9% | 81 | ||||||||
| Credit Ordinaire | 20.40% annual, Decl Bal | 1 Fee | 1 Ins Ins | 18.00% fees | N/A | 21% - 22.1% | 21.7% - 22.9% | 91 |
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