2. Comicoka
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. SRSO
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

COOPEC COMICOKA MahokoKanamaRubavu, West RwandaPO Box 506 RWA
Data approved: 2012-10-04
Data version: 2
Age of data: 137 months
Choose version

Institution

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200
Data approved: 2015-04-30
Data version: 2
Age of data: 108 months
Choose version

Product

Ordinaire 30% Product 1 of 4 « Prev | Next »

Product

Agri- Inputs Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers568
Loan Amount (range)RWF 12,000 - 5,000,000
Loan Term (range)3 - 36
Other Services (text summary)Credit Educ
Annual Interest & Method30.00% annual, Decl Bal
Fees2 fees
Insurance0.05%-5.58% upfront
Tax18.00% fees
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component15.5% - 55.5%
Fee Component1.5% - 10.6%
Insurance Component0 - 0.5%
Tax Component Range0.3% - 1.9%
Full APR (int fee ins tax dep)45.9% - 72.1%
Transparency Index (min/max)42 - 92
Transparency Index (average)53

Product Summary

25,349
PKR 10,000 - 35,000
4 - 8
Group Mtgs, Tech Asst Visits, Business Training, Other Training
28.0% annual, Decl Bal
450.00 upfront
150.00 upfront
None
N/A
 
19.8% - 26.2%
1.0% - 9.4%
0.4% - 3.2%
0
29.7% - 38.8%
72 - 100
84

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 209,648,520
Portfolio (USD)USD 332,775
Active Clients with Loans568
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credits Commerciaux
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 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 institution2
# Regions for this product4
Regions ActiveNgororero, Nyabihu, Rubavu, Rutsiro

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 458,129,334
Portfolio (USD)USD 4,498,830.06
Active Clients with Loans25,349
Approximate % Female Clients80%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Agri- Inputs loans for farmers to utilized their land and cultivating disfferent crops I;e. cotton, wheat, rice & sugarcane.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
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 institution1
# Regions for this product1
Regions ActiveSindh

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 12,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00015%
RWF 1,500,000-2,500,00015%
RWF 2,500,000-3,500,00015%
RWF 3,500,000-4,500,00015%
Greater than RWF 4,500,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months70%
Between 13 and 18 months10%
Longer than 18 months10%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size35,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00080%
PKR 25,000-50,00015%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months80%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeePaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min0600
Fixed amount - max0600
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min0.05%
% of loan amount - max5.58%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age and loan term
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees18%
All or some fees taxedAll

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 1Fee 2
DescriptionProcessing fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min4500
Fixed amount - max4500
Reason for variationN/A
Appears on Repayment Sched?YesNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min150
Fixed amount - max150
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

Full Pricing Data

Ordinaire 30% samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 250,000RWF 450,000RWF 1,000,000RWF 1,500,000RWF 5,000,000
Loan Cycle (1, 2, 3, etc)12Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-05-232012-03-202012-03-222012-10-082012-10-05
Loan Term (Months)12.0 months6.0 months11.0 months24.0 months12.0 months
Grace Period (Months)1.0 month1.0 month1.0 month3.1 months3.1 months
Total Cost of CreditRWF 47,906.60RWF 51,308.34RWF 187,415.40RWF 545,386.70RWF 1,069,660
True Price by Comp         
Interest price component29.5%29.4%15.5%28.9%29.0%
Fee Component4.6%7.7%4.4%2.2%3.4%
Insurance Component0.4%0.4%0.5%0.2%0.5%
Tax Component1.0%1.5%0.9%0.4%0.7%
Deposit Component18.4%19.4%50.8%14.2%14.1%
Full APR (int fee ins tax dep)53.9%58.4%72.1%45.9%47.7%
Transparency Index5651426563
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Agri- Inputs 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 10,000 Real 2015-05-01 5.9 months N/A PKR 1,980.82 38.8% 26.2% 9.4% 3.2% 0.0% 0.0% 72 PDF PDF
PKR 10,000 Generated 2015-05-01 5.9 months N/A PKR 1,980.82 38.8% 26.2% 9.4% 3.2% 0.0% 0.0% 72 - PDF
PKR 15,000 Real 2015-05-01 5.9 months N/A PKR 2,671.23 34.5% 26.2% 6.2% 2.1% 0.0% 0.0% 81 PDF PDF
PKR 15,000 Generated 2015-05-01 5.9 months N/A PKR 2,671.23 34.5% 26.2% 6.2% 2.1% 0.0% 0.0% 81 - PDF
PKR 18,000 Generated 2015-05-01 5.9 months N/A PKR 3,085.48 33.1% 26.2% 5.2% 1.7% 0.0% 0.0% 85 - PDF
PKR 20,000 Generated 2015-05-01 5.9 months N/A PKR 3,361.64 32.4% 26.2% 4.7% 1.5% 0.0% 0.0% 86 - PDF
PKR 22,000 Generated 2015-05-01 5.9 months N/A PKR 3,637.81 31.8% 26.2% 4.2% 1.4% 0.0% 0.0% 88 - PDF
PKR 23,000 Generated 2015-05-01 5.9 months N/A PKR 3,775.89 31.6% 26.2% 4.0% 1.4% 0.0% 0.0% 89 - PDF
PKR 30,000 Generated 2015-05-01 5.9 months N/A PKR 4,742.47 30.3% 26.2% 3.1% 1.0% 0.0% 0.0% 92 - PDF
PKR 35,000 Generated 2015-05-01 5.9 months N/A PKR 5,432.88 29.7% 26.2% 2.7% 0.8% 0.0% 0.0% 94 - PDF
Ordinaire 30% Price Graphs


Click to view Price Analysis Tool
Agri- Inputs Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞