2. FUBODE
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. Opportunity
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

Fundación Boliviana Para el Desarrollo Calle Antezana No 216 entre Colombia, CercadoCochabamba, Bolivia
Data approved: 2013-08-20
Data version: 2
Age of data: 130 months
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Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 144 months
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Product

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Product

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Product Summary

Number borrowers135
Loan Amount (range)USD 4,500 - 30,600
Loan Term (range)18 - 48
Other Services (text summary)
Annual Interest & Method15.0%-24.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.8% - 36.7%
Fee Component0 - 1.5%
Insurance Component0 - 0.5%
Tax Component Range0
Full APR (int fee ins tax dep)24.1% - 24.2%
Transparency Index (min/max)52 - 94
Transparency Index (average)62

Product Summary

757
UGX 500,000 - 625,000,000
4 - 36
Credit Ins
24.00% annual, Decl Bal
3 fees
1.10% upfront
None
N/A
 
28.2% - 55.7%
1.8% - 17.9%
0.8% - 5.2%
0
42.3% - 62.7%
27 - 69
47

Product Details

Key Statistics
Outstanding portfolio (USD)USD 372,356.05
Portfolio (USD)USD 372,356.05
Active Clients with Loans135
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Modalidad de crédito destinado al financiamiento de actividades microempresariales desarrolladas por una organización productiva legalmente constituida
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
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 institution6
# Regions for this product3
Regions ActiveCochabamba , Potosí, Tarija

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 7,221,544,853
Portfolio (USD)USD 2,777,517.25
Active Clients with Loans757
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Business loan product is a newly introduced product designed to replace existing Micro Business Loan, Small Business Loan and SME loan products. It is targeted at both men and women involved with income generating activities.
Loan Purpose
Any purpose
Income generationx
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 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 institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 4,500
Maximum loan size30,600
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,0005%
USD 5,000-10,00040%
USD 10,000-15,00020%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term48.0 months
Approx average32.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months10%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size625,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0005%
UGX 1,000,000-5,000,0005%
UGX 5,000,000-7,500,0005%
UGX 7,500,000-10,000,0005%
UGX 10,000,000-13,000,0005%
Greater than UGX 13,000,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0
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 interest15.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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
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

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1Fee 2
DescriptionLoan Set up feeApplication Fees
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min020,000
Fixed amount - max050,000
Reason for variationN/ALoans <50M pay 20,000 & loans >50M pay 50,000.
Appears on Repayment Sched?YesYes
Ongoing Fees
Fee 1
DescriptionMonitoring fee
% of loan amount - min0.50%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLoans <50M pay 1% & loans >50M pay 0.5%
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionInsrance fees
% of loan amount - min1.10%
% of loan amount - max1.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Credito Asociativo samples
Sample 1Sample 2Sample 3
Loan AmountUSD 5,500USD 12,000USD 21,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-312013-12-312013-12-31
Loan Term (Months)19.0 months24.0 months49.0 months
Grace Period (Months)-0.1 months-0.1 months-0.1 months
Total Cost of CreditUSD 1,157.21USD 3,217.47USD 11,981.05
True Price by Comp     
Interest price component24.1%24.1%24.2%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.1%24.1%24.2%
Transparency Index626262
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 800,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-03-202013-03-272013-01-052013-02-122013-02-07
Loan Term (Months)6.0 months5.1 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.1 months-0.1 months-0.1 months
Total Cost of CreditUGX 144,809UGX 226,110UGX 865,414UGX 845,510UGX 1,904,364UGX 3,628,175
True Price by Comp           
Interest price component42.1%41.1%41.1%35.2%35.8%35.8%
Fee Component16.7%13.8%6.9%8.2%4.5%5.0%
Insurance Component3.9%4.3%2.0%3.7%2.0%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)62.7%59.2%50.0%47.1%42.3%42.9%
Transparency Index384148515756
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Credito Asociativo Price Graphs


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Business 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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X Axis
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