2. Ecofuturo
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. UGAFODE
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

Ecofuturo S.A. Calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2013-12-31
Data version: 2
Age of data: 130 months
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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 144 months
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Product

Eco - Hagar (BOB) Product 12 of 12 « Prev | Next »

Product

Agricultural Loan Product 1 of 9 « Prev | Next »

Product Summary

Number borrowers4,409
Loan Amount (range)BOB 3,500 - 68,600
Loan Term (range)3 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method11.0%-30.0% annual, Decl Bal
FeesNone
Insurance0.25%-3.98% ongoing Y
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component9.9% - 28.9%
Fee Component0
Insurance Component0.9% - 1.9%
Tax Component Range0
Full APR (int fee ins tax dep)21.1% - 26.6%
Transparency Index (min/max)24 - 67
Transparency Index (average)45

Product Summary

1,452
UGX 100,000 - 23,000,000
3 - 36
Credit Ins
30.00% annual, Decl Bal
2 fees
0.85% upfront
None
N/A
 
21.0% - 59.5%
1.4% - 27.1%
1.2% - 4.5%
0
42.2% - 49.7%
36 - 96
65

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 65,566,023
Portfolio (USD)USD 9,713,484.89
Active Clients with Loans4,409
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos a personas asalariadas o microempresarios que destinen el credito a la vivienda sin garantía hipotecaria
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherConstrucción de Vivienda
Other (2)Refacción, remodelación y ampliación
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 landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 2,024,603,822
Portfolio (USD)USD 809,842
Active Clients with Loans1,452
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans for agricultural activities, namely agricultural productions, marketing, processing, cattle trading, poultry, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
OtherAgricultural production, marketing, processing, trading, cattle trading, poultry, etc.
Other (2)
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 groupx
OtherCollateral like land, motor vehicle, cattle required
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveCentral, Western

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 3,500
Maximum loan size68,600
Distribution at Disbursement (Est.)
Loans less than BOB 10,00020%
BOB 10,000-40,00070%
BOB 40,000-70,00010%
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term48.0 months
Approx average31.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months10%
Longer than 18 months80%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size23,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00015%
UGX 1,000,000-5,000,00080%
UGX 5,000,000-7,500,0005%
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 term3.0 months
Longest loan term36.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months30%
Between 13 and 18 months10%
Longer than 18 months20%
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest11.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
Ins 1Ins 2
DescriptionSeguro de DesgravamenSeguo de Todo Riesgo
% of loan amount - min0.25%0
% of loan amount - max3.98%0.32%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationFee is 0.083%, charged each month on the outstanding loan principal only.Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient.
Appears on Repayment Sched?YesYes
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 interest2.50%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesTime as Client, Client Risk, n/a
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Application Fee & Stamp DutyLoan Commission
% of loan amount - min02.00%
% of loan amount - max02.00%
OR, Fixed amount - min10,0000
Fixed amount - max15,0000
Reason for variationAp Fee = 10,000. Stamp Duty = 5,000 for loans > 2MN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance Premium
% of loan amount - min0.85%
% of loan amount - max0.85%
OR, Fixed amount - min0
Fixed amount - max0
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

Eco - Hagar (BOB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 5,000BOB 28,000BOB 35,000BOB 49,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-152013-12-142013-11-122013-12-10
Loan Term (Months)18.0 months49.0 months37.0 months49.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 1,129.12BOB 16,447.90BOB 13,635.72BOB 21,303.70
True Price by Comp       
Interest price component24.9%23.1%23.1%20.1%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component1.7%1.5%1.7%1.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.6%24.6%24.8%21.1%
Transparency Index41454452
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 1,000,000UGX 800,000UGX 1,500,000UGX 3,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-11-152012-10-192012-10-192012-10-19
Loan Term (Months)6.0 months8.0 months10.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUGX 146,085.01UGX 144,520.88UGX 311,207.50UGX 717,135
True Price by Comp       
Interest price component35.7%35.5%35.5%35.5%
Fee Component10.8%9.2%6.2%5.0%
Insurance Component3.2%2.4%2.0%1.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)49.7%47.1%43.7%42.2%
Transparency Index60646971
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Eco - Hagar (BOB) Price Graphs


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Agricultural 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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