Number borrowers | 5,195 |
Loan Amount (range) | BOB 1,000 - 106,000 |
Loan Term (range) | 4 - 60 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 18.0%-34.0% annual, Decl Bal |
Fees | None |
Insurance | 0.16%-2.40% ongoing |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 19.8% - 36.7% |
Fee Component | 0 - 1.5% |
Insurance Component | 0 - 0.5% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 24.6% - 26.8% |
Transparency Index (min/max) | 52 - 94 |
Transparency Index (average) | 62 |
6,528 |
UGX 100,000 - 1,200,000 |
10 |
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
20.00% annual, Flat |
None |
1.00% upfront |
None |
10.00% upfront |
40.6% - 41.0% |
0 |
2.3% |
0 |
51.5% - 52.1% |
38 - 39 |
38 |
Outstanding portfolio (BOB) | BOB 62,143,357.40 |
Portfolio (USD) | USD 9,206,423.32 |
Active Clients with Loans | 5,195 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
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 , Oruro , Potosí, Santa Cruz, Tarija |
Outstanding portfolio (UGX) | UGX 1,690,978,371 |
Portfolio (USD) | USD 676,391 |
Active Clients with Loans | 6,528 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | x |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | Community Member |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Central, Eastern, Western |
Currency | BOB |
Minimum loan size | BOB 1,000 |
Maximum loan size | 106,000 |
Loans less than BOB 10,000 | 40% |
BOB 10,000-40,000 | 50% |
BOB 40,000-70,000 | 10% |
BOB 70,000-100,000 | 0 |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 4.0 months |
Longest loan term | 60.0 months |
Approx average | 26.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 15% |
Between 13 and 18 months | 5% |
Longer than 18 months | 80% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | x |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | UGX |
Minimum loan size | UGX 100,000 |
Maximum loan size | 1,200,000 |
Loans less than UGX 1,000,000 | 70% |
UGX 1,000,000-5,000,000 | 30% |
UGX 5,000,000-7,500,000 | 0 |
UGX 7,500,000-10,000,000 | 0 |
UGX 10,000,000-13,000,000 | 0 |
Greater than UGX 13,000,000 | 0 |
Shortest loan term | 10.0 months |
Longest loan term | 10.0 months |
Approx average | 10.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 2.0 months |
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 | 18.00% |
Highest quoted nominal interest | 34.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, 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 | Yes |
Ins 1 | |
---|---|
Description | El Cliente Seguro de Vida |
% of loan amount - min | 0.16% |
% of loan amount - max | 2.40% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | La comisión es 0.04% mensual cargado sólo al saldo 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 |
Lowest quoted nominal interest | 20.00% |
Highest quoted nominal interest | 20.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Credit Life Insurance |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 1.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | BOB 2,500 | BOB 7,000 | BOB 15,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-12-10 | 2013-12-05 | 2013-12-10 | ||
Loan Term (Months) | 12.0 months | 18.0 months | 30.0 months | ||
Grace Period (Months) | 0.0 months | 3.1 months | 0.0 months | ||
Total Cost of Credit | BOB 417.17 | BOB 1,934.76 | BOB 5,210.65 | ||
True Price by Comp | |||||
Interest price component | 25.6% | 26.4% | 24.2% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.4% | 0.4% | 0.4% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 26.0% | 26.8% | 24.6% | ||
Transparency Index | 61 | 60 | 65 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | UGX 300,000 | UGX 700,000 | UGX 800,000 | UGX 600,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2012-05-16 | 2012-02-17 | 2012-04-04 | 2012-03-09 | |||
Loan Term (Months) | 10.0 months | 10.0 months | 10.0 months | 10.0 months | |||
Grace Period (Months) | 1.0 month | 1.0 month | 0.0 months | 1.0 month | |||
Total Cost of Credit | UGX 63,000 | UGX 147,000 | UGX 168,000 | UGX 126,000 | |||
True Price by Comp | |||||||
Interest price component | 40.6% | 41.0% | 40.8% | 40.6% | |||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Insurance Component | 2.3% | 2.3% | 2.3% | 2.3% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 8.6% | 8.8% | 8.8% | 8.7% | |||
Full APR (int fee ins tax dep) | 51.5% | 52.1% | 51.9% | 51.6% | |||
Transparency Index | 39 | 38 | 39 | 39 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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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