| Outstanding portfolio (BOB) | BOB 133,382,092.40 |
| Portfolio (USD) | USD 19,760,309.99 |
| Active Clients with Loans | 1,315 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| 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 | |
| Must be specific age group | |
| Other | |
| 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 |
| Currency | BOB |
| Minimum loan size | BOB 400 |
| Maximum loan size | 2,000,000 |
| Loans less than BOB 10,000 | 0 |
| BOB 10,000-40,000 | 5% |
| BOB 40,000-70,000 | 5% |
| BOB 70,000-100,000 | 40% |
| BOB 100,000-125,000 | 30% |
| Greater than BOB 125,000 | 30% |
| Shortest loan term | 37.0 months |
| Longest loan term | 120.0 months |
| Approx average | 56.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 100% |
| 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 |
| Lowest quoted nominal interest | 8.50% |
| Highest quoted nominal interest | 15.00% |
| Reason(s) why interest rate varies | Loan Size, Collateral, Plazo |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | 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 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 100,000 | BOB 102,900 | BOB 5,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-01-12 | 2013-06-05 | 2013-04-09 | ||
| Loan Term (Months) | 61.0 months | 52.0 months | 5.3 months | ||
| Grace Period (Months) | 0.1 months | 0.4 months | 0.2 months | ||
| Total Cost of Credit | BOB 30,137 | BOB 28,495.01 | BOB 177.66 | ||
| True Price by Comp | |||||
| Interest price component | 10.8% | 12.5% | 13.1% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 10.8% | 12.5% | 13.1% | ||
| Transparency Index | 79 | 68 | 65 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2005 |
| Head of Institution | Mr. Kisembo Patrick |
| Regions active | Western |
| # Branches | 2 |
| Total Portfolio (nat'l) | UGX 721,685,949 |
| Total Portfolio (USD) | USD 288,674.38 |
| Active clients with loans | 4,832 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Uganda Co-operative Savings and Credit Union Ltd, Mid North Private Sector |
| Funders | TRIAS Uganda |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Lima Loan | UGX 10,000 - 30,000,000 | 1 - 8 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Commercial Loan | UGX 50,000 - 10,000,000 | 1 - 6 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Lima Loan | 30.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 31.2% - 56% | 41.1% - 86.8% | 51 | ||||||||
| Commercial Loan | 30.00%-36.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 53.9% - 64.7% | 69.1% - 99% | 35 |
| Key Statistics | |
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| # Samples: | |
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| # 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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