Outstanding portfolio (USD) | USD 3,540,515 |
Portfolio (USD) | USD 3,540,515 |
Active Clients with Loans | 756 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
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 | USD |
Minimum loan size | USD 100 |
Maximum loan size | 10,000 |
Loans less than USD 1,500 | 0 |
USD 1,500-5,000 | 20% |
USD 5,000-10,000 | 80% |
USD 10,000-15,000 | 0 |
USD 15,000-18,000 | 0 |
Greater than USD 18,000 | 0 |
Shortest loan term | 10.7 months |
Longest loan term | 71.3 months |
Approx average | 41.8 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 | |
Single end payment | x |
Irregular payments | x |
Lowest quoted nominal interest | 18.00% |
Highest quoted nominal interest | 24.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
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 | 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 | USD 3,000 | USD 8,000 | USD 7,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-12-05 | 2014-01-13 | 2013-12-05 | ||
Loan Term (Months) | 24.0 months | 48.0 months | 26.0 months | ||
Grace Period (Months) | 0.1 months | -1.0 months | 0.1 months | ||
Total Cost of Credit | USD 643.19 | USD 3,442.05 | USD 1,864.41 | ||
True Price by Comp | |||||
Interest price component | 20.4% | 19.1% | 23.4% | ||
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) | 20.4% | 19.1% | 23.4% | ||
Transparency Index | 88 | 94 | 77 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2004 |
Head of Institution | Kasirye Flavia |
Regions active | Central |
# Branches | 1 |
Total Portfolio (nat'l) | UGX 156,918,900 |
Total Portfolio (USD) | USD 62,767.56 |
Active clients with loans | 204 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | UCA |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | UGX 100,000 - 7,000,000 | 4 - 12 | 40% - 60% | 80% - 100% | Business, Other | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 30.00% annual, Flat | 2 Fees | 1 Ins | None | 20.00% upfront | 54.2% - 61.4% | 81.7% - 95.6% | 34 |
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 ∞ |