Outstanding portfolio (BOB) | BOB 353,569,239.50 |
Portfolio (USD) | USD 52,380,628.07 |
Active Clients with Loans | 2,489 |
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 | 5 |
# Regions for this product | 5 |
Regions Active | Chuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 7,000 |
Maximum loan size | 9,671,865 |
Loans less than BOB 10,000 | 0 |
BOB 10,000-40,000 | 10% |
BOB 40,000-70,000 | 40% |
BOB 70,000-100,000 | 15% |
BOB 100,000-125,000 | 5% |
Greater than BOB 125,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 96.0 months |
Approx average | 37.0 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 | 10% |
Longer than 18 months | 90% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 13.00% |
Highest quoted nominal interest | 28.00% |
Reason(s) why interest rate varies | Loan Size, 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 | No |
Ins 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 0.30% |
% of loan amount - max | 9.60% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Comisión de 0.1% mensual que aplica sólo al saldo del principal del préstamo pendiente. |
Appears on Repayment Sched? | 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 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | BOB 10,000 | BOB 40,001 | BOB 70,001 | BOB 100,001 | BOB 140,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2014-03-07 | 2014-03-07 | 2014-03-07 | 2014-03-07 | 2014-03-07 | ||||
Loan Term (Months) | 3.1 months | 19.0 months | 37.0 months | 67.0 months | 37.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | BOB 242.64 | BOB 7,925.73 | BOB 16,564.58 | BOB 74,678.68 | BOB 33,128.53 | ||||
True Price by Comp | |||||||||
Interest price component | 13.1% | 21.1% | 13.1% | 21.1% | 13.1% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 1.2% | 1.2% | 1.2% | 1.2% | 1.2% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 14.3% | 22.3% | 14.3% | 22.3% | 14.3% | ||||
Transparency Index | 91 | 58 | 91 | 58 | 91 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
APAS | 320 | 128,000 | 2 | 163 |
BRAC-UGA | 139,200 | 28,254,000 | 3 | 119 |
Centenary Bank | 133,802 | 221,144,231 | 4 | 144 |
EBO SACCO | 1,500 | 1,240,382 | 2 | 144 |
Equity Bank | 13,069 | 57,252,004 | 0 | 144 |
Finance Trust | 22,555 | 17,520,424 | 5 | 144 |
FINCA-UGA | 56,300 | 27,402,000 | 4 | 117 |
Five Talents | 5,365 | 368,057 | 2 | 144 |
Gatsby | 1,346 | 2,440,236 | 2 | 144 |
Habitat Uganda | 858 | 265,508 | 1 | 144 |
Hofokam | 20,908 | 4,793,200 | 6 | 144 |
KACITA | 156 | 60,318 | 1 | 144 |
Madfa SACCO | 4,832 | 288,674 | 5 | 144 |
Opportunity | 23,734 | 13,560,846 | 13 | 144 |
RUCREF | 5,557 | 898,380 | 4 | 163 |
Rushere SACCO | 983 | 574,549 | 2 | 144 |
SAO | 204 | 62,768 | 1 | 144 |
Silver Upholders | 2,111 | 189,189 | 4 | 144 |
THPU | 6,528 | 676,391 | 1 | 144 |
UGAFODE | 8,197 | 4,720,446 | 9 | 144 |
VF Uganda | 13,072 | 3,221,675 | 5 | 144 |
Wakiso | 513 | 276,000 | 1 | 144 |
Y-SAVE | 208 | 1,686,485 | 1 | 144 |
Key Statistics | |
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# 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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