| Number borrowers | 339 |
| Loan Amount (range) | BOB 400 - 80,000 |
| Loan Term (range) | 3 - 36 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 5.3%-8.0% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | 100.0% upfront |
| Range of pricing | |
| Interest Price Component | 7.8% - 28.0% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index (min/max) | 52 - 101 |
| Transparency Index (average) | 100 |
| 126 |
| UGX 100,000 - 5,000,000 |
| 3 - 24 |
| Credit Ins |
| 30.00% annual, Flat |
| 2 fees |
| 0.85% upfront |
| None |
| N/A |
| 21.0% - 59.5% |
| 1.4% - 27.1% |
| 1.2% - 4.5% |
| 0 |
| 60.8% - 78.0% |
| 36 - 96 |
| 45 |
| Outstanding portfolio (BOB) | BOB 4,557,309.58 |
| Portfolio (USD) | USD 675,156.97 |
| Active Clients with Loans | 339 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | Clientes con DPFs propios del Banco |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | 9 |
| Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
| Outstanding portfolio (UGX) | UGX 96,473,032.12 |
| Portfolio (USD) | USD 38,589 |
| Active Clients with Loans | 126 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 2 |
| # Regions for this product | 2 |
| Regions Active | Central, Western |
| Currency | BOB |
| Minimum loan size | BOB 400 |
| Maximum loan size | 80,000 |
| Loans less than BOB 10,000 | 50% |
| BOB 10,000-40,000 | 40% |
| BOB 40,000-70,000 | 10% |
| BOB 70,000-100,000 | 0 |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 36.0 months |
| Approx average | 20.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 5% |
| Between 10 and 12 months | 15% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 50% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | x |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | x |
| Single end payment | |
| Irregular payments |
| Currency | UGX |
| Minimum loan size | UGX 100,000 |
| Maximum loan size | 5,000,000 |
| Loans less than UGX 1,000,000 | 50% |
| UGX 1,000,000-5,000,000 | 50% |
| UGX 5,000,000-7,500,000 | 0 |
| UGX 7,500,000-10,000,000 | 0 |
| UGX 10,000,000-13,000,000 | 0 |
| Greater than UGX 13,000,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 24.0 months |
| Approx average | 8.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 30% |
| Between 7 and 9 months | 50% |
| Between 10 and 12 months | 20% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 5.25% |
| Highest quoted nominal interest | 7.96% |
| Reason(s) why interest rate varies | Loan Size, Collateral |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 100.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 0.25% |
| Maximum interest rate paid | 2.96% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 2.50% |
| Highest quoted nominal interest | 2.50% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Loan Application Fee & Stamp Duty | Loan Comission | |
| % of loan amount - min | 0 | 2.00% | |
| % of loan amount - max | 0 | 2.00% | |
| OR, Fixed amount - min | 10,000 | 0 | |
| Fixed amount - max | 15,000 | 0 | |
| Reason for variation | Ap Fee = 10,000. Stamp Duty = 5,000 for loans > 2M | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Loan Insurance Premium |
| % of loan amount - min | 0.85% |
| % of loan amount - max | 0.85% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | |
|---|---|
| Loan Amount | BOB 10,000 |
| Loan Cycle (1, 2, 3, etc) | Not Known |
| Disbursement Date | 2013-12-26 |
| Loan Term (Months) | 37.0 months |
| Grace Period (Months) | 0.5 months |
| Total Cost of Credit | BOB 1,281.71 |
| True Price by Comp | |
| Interest price component | 7.8% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component | 0 |
| Deposit Component | -7.8% |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index | 100 |
| Original Repayment Schedule | |
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | UGX 300,000 | UGX 900,000 | UGX 1,500,000 | UGX 3,000,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2012-11-08 | 2012-11-12 | 2012-11-07 | 2012-09-03 | |||
| Loan Term (Months) | 4.0 months | 6.0 months | 6.0 months | 6.0 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | UGX 48,550 | UGX 170,650 | UGX 277,750 | UGX 550,500 | |||
| True Price by Comp | |||||||
| Interest price component | 46.4% | 49.0% | 49.1% | 48.7% | |||
| Fee Component | 27.1% | 11.3% | 9.6% | 9.0% | |||
| Insurance Component | 4.5% | 3.2% | 3.2% | 3.1% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Full APR (int fee ins tax dep) | 78.0% | 63.5% | 61.9% | 60.8% | |||
| Transparency Index | 38 | 47 | 48 | 49 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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