2. Banco FIE
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RUCREF
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

Institution

Banco FIE Calle General Gonzales 1272 Zona San PedroLa Paz, La Paz
Data approved: 2013-10-02
Data version: 1
Age of data: 130 months

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 163 months

Product

Créditos Garantia Hipotecaria (USD) Product 2 of 8 « Prev | Next »

Product

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Product Summary

Number borrowers824
Loan Amount (range)USD 3,000 - 692,000
Loan Term (range)24 - 120
Other Services (text summary)Credit Educ
Annual Interest & Method10.0%-16.0% annual, Decl Bal
FeesNone
InsuranceNone
Tax0.15% Principal
Comp DepN/A
Range of pricing 
Interest Price Component12.5% - 26.6%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)13.1% - 14.1%
Transparency Index (min/max)37 - 83
Transparency Index (average)65

Product Summary

1,369
UGX 500,000 - 15,000,000
4 - 10
Credit Educ, Credit Ins
48.00% annual, Flat
2 fees
1.00% upfront
None
N/A
 
N/A
89.5% - 96.4% (Int+Fee)
0 - 6.9%
0
92.3% - 100.6%
38 - 58
49

Product Details

Key Statistics
Outstanding portfolio (USD)USD 19,108,539
Portfolio (USD)USD 19,108,539
Active Clients with Loans824
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Creditos en dólares respaldados con una garantía hipotecaria de un bien inmueble. Si paga con debito automatico de una cuenta de ahorros no paga el impuesto a las transacciones financieras (ITF).
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 businessx
Must own a home or landx
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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 1,399,203,000
Portfolio (USD)USD 559,681
Active Clients with Loans1,369
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Targeted to people running businesses both urban and rural
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
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 workerx
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 ActiveCentral

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 3,000
Maximum loan size692,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,0005%
USD 5,000-10,00010%
USD 10,000-15,00015%
USD 15,000-18,00010%
Greater than USD 18,00010%
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term120.0 months
Approx average81.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size15,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00015%
UGX 5,000,000-7,500,00015%
UGX 7,500,000-10,000,00015%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term10.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months40%
Between 10 and 12 months30%
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 payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest16.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
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
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 fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication FeeCommission, Stamp Duty & Bank Charges
% of loan amount - min1.00%3.00%
% of loan amount - max1.00%3.33%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variation1% or 10,000Commission(2%), Stamp Duty (5000-1%), Bank Charges (0.33% or 5000)
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
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?No

Full Pricing Data

Créditos Garantia Hipotecaria (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 6,000USD 12,000USD 18,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-11-262014-01-052014-02-10
Loan Term (Months)37.0 months73.0 months97.0 months
Grace Period (Months)0.0 months0.0 months-0.1 months
Total Cost of CreditUSD 1,245.53USD 5,172.93USD 9,576.24
True Price by Comp     
Interest price component13.3%14.1%13.1%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)13.3%14.1%13.1%
Transparency Index497176
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Individual Business loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 700,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known00
Disbursement Date2010-11-202010-11-092010-11-092010-11-292010-11-152010-11-20
Loan Term (Months)6.0 months6.0 months6.0 months10.0 months8.0 months3.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component96.4%93.3%92.6%89.5%90.6%92.9%
Insurance Component4.2%4.1%4.1%2.8%3.3%6.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)100.6%97.4%96.7%92.3%93.9%99.8%
Transparency Index484950525148
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Créditos Garantia Hipotecaria (USD) 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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