Outstanding portfolio (BOB) | BOB 13,602,633 |
Portfolio (USD) | USD 2,015,204.89 |
Active Clients with Loans | 196 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
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 | 6 |
# Regions for this product | 6 |
Regions Active | Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 70,000 |
Maximum loan size | 350,000 |
Loans less than BOB 10,000 | 0 |
BOB 10,000-40,000 | 0 |
BOB 40,000-70,000 | 0 |
BOB 70,000-100,000 | 5% |
BOB 100,000-125,000 | 20% |
Greater than BOB 125,000 | 20% |
Shortest loan term | 5.0 months |
Longest loan term | 69.0 months |
Approx average | 5.0 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 | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.29% |
Highest quoted nominal interest | 1.29% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Seguro de desgravamen |
% of loan amount - min | 0.35% |
% of loan amount - max | 0.35% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | La comisión es 0.07% mensual que aplica 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 | |||
---|---|---|---|---|---|
Loan Amount | BOB 115,000 | BOB 120,000 | BOB 130,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2014-01-08 | 2014-01-08 | 2014-01-08 | ||
Loan Term (Months) | 5.0 months | 5.0 months | 5.0 months | ||
Grace Period (Months) | -1.0 months | -1.0 months | -1.0 months | ||
Total Cost of Credit | BOB 7,829.58 | BOB 8,500 | BOB 11,124.50 | ||
True Price by Comp | |||||
Interest price component | 15.2% | 15.3% | 17.9% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.8% | 1.4% | 2.1% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 16.0% | 16.7% | 20.0% | ||
Transparency Index | 8 | 93 | 78 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution Type | Other |
Is this institution regulated? | Yes |
Website address | http://www.fivetalents.urg.uk |
Year established | 2006 |
Head of Institution | Esther Nakamatte Mbaziira |
Regions active | Central, Northern, Western |
# Branches | 4 |
Total Portfolio (nat'l) | UGX 920,143,726 |
Total Portfolio (USD) | USD 368,057.49 |
Active clients with loans | 5,365 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 20% - 40% |
Network affiliations | AMFIU, Five Talents International |
Funders | Five Talents International, Microfinance Support Centre |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loans | UGX 250,000 - 1,000,000 | 3 - 9 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training | |||||||
Individual Business Loans | UGX 500,000 - 5,000,000 | 3 - 12 | 60% - 80% | 40% - 60% | 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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
Key Statistics | |
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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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