2. AgroCapital
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. BRAC-UGA
Please note that the information you are viewing is 120 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 120 months
Choose version

Product

CRÉDITO DE CONSUMO (Asalariado) - USD Product 5 of 11 « Prev | Next »

Product

Microfinance 1-Year Loan Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers107
Loan Amount (range)USD 1,000 - 2,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Ins
Annual Interest & Method22.5%-26.0% annual, Decl Bal
Fees5.00% upfront 5.00% ongoing
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component25.8% (Int+Fee)
Insurance Component0 - 0.6%
Tax Component Range0 - 0.4%
Full APR (int fee ins tax dep)26.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)87

Product Summary

106,742
UGX 350,000 - 3,500,000
3 - 12.5
Credit Educ, Group Mtgs, Business Training
25.0% annual, Flat
1.00% upfront 1,500.00 upfront
None
None
10.0% upfront
 
43.1% - 46.3%
0.2% - 6.3%
0
0
57.5% - 63.9%
39 - 46
41

Product Details

Key Statistics
Outstanding portfolio (USD)USD 104,671.67
Portfolio (USD)USD 104,671.67
Active Clients with Loans107
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Todo crédito concedido a una persona natural, con el objeto de financiar la adquisición de bienes de consumo o el pago de servicios, amortizable en cuotas\rsucesivas y cuya fuente principal de pago es el salario de la persona.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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 business
Must own a home or land
Must be a salaried workerx
Must be specific age group
OtherAntigàŒedad mínima de 1 año en trabajo. Buenos antecedentes personales y crediticios.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 48,744,547,252
Portfolio (USD)USD 19,304,771.19
Active Clients with Loans106,742
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans for women
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size2,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average22.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 350,000
Maximum loan size3,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00060%
UGX 1,000,000-5,000,00040%
UGX 5,000,000-7,500,0000
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 term12.5 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.50%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDesgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionDesgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
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?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan AppraisalMembership Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

CRÉDITO DE CONSUMO (Asalariado) - USD samples
Sample 1
Loan AmountUSD 1,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-02-02
Loan Term (Months)24.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component25.8%
Insurance Component0
Tax Component0.2%
Deposit Component0
Full APR (int fee ins tax dep)26.0%
Transparency Index87
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

Microfinance 1-Year Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
UGX 1,300,000 Real 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 PDF PDF
UGX 1,300,000 Generated 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 - PDF
UGX 700,000 Generated 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 - PDF
UGX 700,000 Real 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 PDF PDF
UGX 350,000 Generated 2015-01-01 11.7 months N/A UGX 90,582.19 58.6% 45.6% 3.1% 0.0% 0.0% 9.9% 43 - PDF
UGX 675,000 Generated 2015-01-01 11.7 months N/A UGX 173,301.37 58.1% 45.6% 2.6% 0.0% 0.0% 9.9% 43 - PDF
UGX 900,000 Generated 2015-01-01 11.7 months N/A UGX 230,568.49 57.9% 45.6% 2.5% 0.0% 0.0% 9.8% 43 - PDF
UGX 3,500,000 Generated 2015-01-01 11.7 months N/A UGX 892,321.92 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 4,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,019,582.19 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 5,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,274,102.74 57.5% 45.6% 2.2% 0.0% 0.0% 9.7% 43 - PDF
CRÉDITO DE CONSUMO (Asalariado) - USD Price Graphs


Click to view Price Analysis Tool
Microfinance 1-Year Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞