| Number borrowers | 158 |
| Loan Amount (range) | BOB 349 - 1,742,500 |
| Loan Term (range) | 3 - 60 |
| Other Services (text summary) | Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen. |
| Annual Interest & Method | 5.1%-7.8% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | 100.0% upfront |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 0 (Int+Fee) |
| Insurance Component | 0 |
| Tax Component Range | 0 - 3.0% |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index (min/max) | -159 - N/A |
| Transparency Index (average) | N/A |
| 2,796 |
| UGX 100,000 - 3,000,000 |
| 4 - 6 |
| Credit Educ, Group Mtgs, Credit Ins |
| 45.60% annual, Flat |
| 2 fees |
| 1.00% upfront |
| None |
| N/A |
| N/A |
| 106.5% - 112.0% (Int+Fee) |
| 0 - 6.9% |
| 0 |
| 113.3% - 118.9% |
| 38 - 58 |
| 39 |
| Outstanding portfolio (BOB) | BOB 1,728,962 |
| Portfolio (USD) | USD 252,403.21 |
| Active Clients with Loans | 158 |
| 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 | La tasa cobrada al cliente le permite gozar de un seguro de desgravamen. |
| 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 | Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados. |
| Other (2) | Clientes con DPFs propios del Banco |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (UGX) | UGX 509,000,000 |
| Portfolio (USD) | USD 203,600 |
| Active Clients with Loans | 2,796 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | |
| Solidarity group | x |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| 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 | 1 |
| # Regions for this product | 1 |
| Regions Active | Central |
| Currency | BOB |
| Minimum loan size | BOB 349 |
| Maximum loan size | 1,742,500 |
| Shortest loan term | 3.0 months |
| Longest loan term | 60.0 months |
| Approx average | 23.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | x |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Currency | UGX |
| Minimum loan size | UGX 100,000 |
| Maximum loan size | 3,000,000 |
| 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 | 4.0 months |
| Longest loan term | 6.0 months |
| Approx average | 4.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 100% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 5.05% |
| Highest quoted nominal interest | 7.75% |
| Reason(s) why interest rate varies | Loan Size, Collateral |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | N/A |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 100.00% - N/A |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 0.05% |
| Maximum interest rate paid | 2.75% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 3.80% |
| Highest quoted nominal interest | 3.80% |
| 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 | Application Fee | Commission | |
| % of loan amount - min | 0 | 2.40% | |
| % of loan amount - max | 0 | 2.40% | |
| OR, Fixed amount - min | 5,000 | 0 | |
| Fixed amount - max | 5,000 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Credit Life Insurance |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| 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 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | BOB 2,350 | BOB 6,300 | BOB 13,800 | BOB 28,000 | BOB 53,200 | BOB 56,000 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| Disbursement Date | 2010-05-25 | 2010-05-13 | 2010-06-05 | 2010-06-17 | 2010-04-16 | 2010-03-15 | |||||
| Loan Term (Months) | 8.0 months | 12.0 months | 36.0 months | 24.0 months | 24.0 months | 12.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 5.8% | 6.3% | 6.6% | 6.6% | 7.6% | 5.8% | |||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | -9.0% | -11.3% | -10.5% | -10.5% | -12.7% | -9.4% | |||||
| Full APR (int fee ins tax dep) | -3.2% | -5.0% | -3.9% | -3.9% | -5.1% | -3.6% | |||||
| Transparency Index | -159 | -101 | -129 | -130 | -100 | -142 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | UGX 400,000 | UGX 700,000 | UGX 1,200,000 | UGX 3,000,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-11-16 | 2010-11-19 | 2010-11-27 | 2010-11-17 | |||
| Loan Term (Months) | 3.7 months | 3.7 months | 3.7 months | 3.7 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 112.0% | 108.3% | 108.2% | 106.5% | |||
| Insurance Component | 6.9% | 6.9% | 6.8% | 6.8% | |||
| 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) | 118.9% | 115.2% | 115.0% | 113.3% | |||
| Transparency Index | 38 | 40 | 40 | 40 | |||
| 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 |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
