2. ProCredit
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Hofokam
Please note that the information you are viewing is 144 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 Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 144 months
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Product

Creditos para Vivienda MN Product 8 of 8 « Prev | Next »

Product

School Fees Loan Product 4 of 6 « Prev | Next »

Product Summary

Number borrowers10,574
Loan Amount (range)BOB 800 - 140,000
Loan Term (range)4 - 145
Other Services (text summary)Credit Ins
Annual Interest & Method7.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component17.2% - 30.5% (Int+Fee)
Insurance Component0
Tax Component Range0.0% - 0.9%
Full APR (int fee ins tax dep)17.2% - 30.5%
Transparency Index (min/max)16 - 83
Transparency Index (average)31

Product Summary

140
UGX 700,000 - 1,500,000
6 - 8
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
33.60% annual, Flat
2.00% upfront
20,000 upfront
None
N/A
 
27.7% - 58.0%
1.5% - 9.9%
0.2% - 25.6%
0
66.1% - 76.2%
36 - 86
47

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 153,131,802.90
Portfolio (USD)USD 22,686,193.02
Active Clients with Loans10,574
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto destinado a la compra de vivienda o de terrenos, refacción, ampliación,\ranticrético, construcción, instalación de servicios básicos o cualquier otro destino que implique un\rmejoramiento de vivienda.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherCompra o construción de Vivienda
Other (2)Compra de Terreno
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 businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 322,443,570
Portfolio (USD)USD 127,700.42
Active Clients with Loans140
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
HOFOKAM Clients with short term liquidity constraints towards meeting school fees obligations
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
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 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 ActiveWestern

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 800
Maximum loan size140,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term145.0 months
Approx average34.0 months
Grace Period
Grace period usage10%
Average grace periodDK
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 paymentsx

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 700,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term8.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest7.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
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?No

Pricing Information

Interest
Lowest quoted nominal interest2.80%
Highest quoted nominal interest2.80%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20,000
Fixed amount - max20,000
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

Creditos para Vivienda MN samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 2,800BOB 6,591.77BOB 15,000BOB 28,000BOB 56,600BOB 80,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-01-062010-05-192010-05-312010-05-072010-06-182010-06-11
Loan Term (Months)12.0 months12.0 months9.0 months36.0 months24.0 months48.0 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 Component30.5%25.3%24.3%22.4%19.5%17.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
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)30.5%25.3%24.3%22.4%19.5%17.2%
Transparency Index232829313641
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

School Fees Loan samples
Sample 1Sample 2Sample 3
Loan AmountUGX 800,000UGX 700,000UGX 1,500,000
Loan Cycle (1, 2, 3, etc)877
Disbursement Date2012-09-122012-09-142011-12-13
Loan Term (Months)6.0 months4.1 months6.0 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditUGX 170,400UGX 112,400UGX 302,000
True Price by Comp     
Interest price component54.4%51.6%54.0%
Fee Component7.2%9.9%7.2%
Insurance Component9.3%14.7%4.9%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)70.9%76.2%66.1%
Transparency Index474451
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Creditos para Vivienda MN Price Graphs


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School Fees Loan 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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