2. FUNBODEM
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. Y-SAVE
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

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 130 months
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Institution

Y-Save Cooperative Savings and Credit Society Ltd. Block 661 Flat EBuganda Road FlatsKampala, CentralPO Box 37191
Data approved: 2012-11-06
Data version: 2
Age of data: 144 months
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Product

Transporte Product 8 of 10 « Prev | Next »

Product

Developmental Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers466
Loan Amount (range)USD 500 - 25,000
Loan Term (range)6 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method18.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.36%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)19.8% - 26.7%
Transparency Index (min/max)52 - 95
Transparency Index (average)77

Product Summary

208
UGX 200,000 - 30,000,000
1 - 60
Credit Educ, Tech Asst Visits, Business Training, Other Training, Financial management training
18.00% annual, Decl Bal
50,000 upfront
0.00%-1.00% upfront
None
N/A
 
17.8% - 17.9%
0.7% - 51.2%
1.0% - 5.5%
0
19.8% - 74.5%
24 - 91
56

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,736,926.16
Portfolio (USD)USD 1,736,926.16
Active Clients with Loans466
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto apoya al sector del transporte publico con el objetivo de mejorar el servicio de transporte en la comunidad.
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 business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherDebe estar afiliado a alguna asociacion, cooperativa y /o Sindicato de transporte.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveSanta Cruz

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 4,216,212,589
Portfolio (USD)USD 1,686,485
Active Clients with Loans208
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are given to members who want to develop themselves in the area of enhancing educational level, acquiring assets and improving existing businesses
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherFinancial management training
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 institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5005%
USD 1,500-5,00030%
USD 5,000-10,00030%
USD 10,000-15,00020%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average38.0 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 months0
Longer than 18 months100%
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 200,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00010%
UGX 1,000,000-5,000,00010%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months40%
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 interest18.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
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
Ins 1
DescriptionPago del seguro de desgravamen
% of loan amount - min0.36%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
Appears on Repayment Sched?Yes
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50,000
Fixed amount - max50,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationApplies to loans between 500,000 - 20,000,000
Appears on Repayment Sched?No
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

Transporte samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,501USD 3,500USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-272013-12-272013-12-27
Loan Term (Months)20.0 months31.0 months19.0 months
Grace Period (Months)0.5 months0.5 months0.5 months
Total Cost of CreditUSD 384.85USD 1,299.01USD 2,646.21
True Price by Comp     
Interest price component26.1%24.1%19.1%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.7%24.8%19.8%
Transparency Index677391
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Developmental Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 500,000UGX 694,923UGX 2,999,996UGX 3,700,000UGX 5,400,000UGX 9,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-03-122012-06-122012-03-122012-08-122012-03-122012-06-12
Loan Term (Months)4.1 months12.0 months11.0 months22.0 months24.0 months18.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 73,890UGX 126,552.23UGX 356,695.96UGX 758,450UGX 1,174,164UGX 1,476,537
True Price by Comp           
Interest price component17.8%17.8%17.8%17.9%17.8%17.9%
Fee Component51.2%14.4%3.4%1.5%1.0%0.7%
Insurance Component5.5%2.1%2.1%1.1%1.0%1.3%
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)74.5%34.3%23.3%20.5%19.8%19.9%
Transparency Index245377889190
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Transporte Price Graphs


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Developmental 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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