| Number borrowers | 3,404 |
| Loan Amount (range) | BOB 2,500 - 9,500 |
| Loan Term (range) | 6 - 18 |
| Other Services (text summary) | Credit Educ, Group Mtgs, Other Training, Insidencia Politica - Participación ciudadana, Derechos Humanos - Género |
| Annual Interest & Method | 24.0% annual, Decl Bal |
| Fees | None |
| Insurance | 0.32%-0.95% ongoing |
| Tax | None |
| Comp Dep | 6.00% ongoing |
| Range of pricing | |
| Interest Price Component | 18.1% - 24.0% |
| Fee Component | 0 - 0.7% |
| Insurance Component | 0 - 0.7% |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 30.3% - 30.6% |
| Transparency Index (min/max) | 48 - 79 |
| Transparency Index (average) | 79 |
| 126 |
| UGX 100,000 - 5,000,000 |
| 4 - 12 |
| Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| 34.00%-36.00% annual, Decl Bal |
| 2 fees |
| 1.00% upfront |
| None |
| 10.00% upfront |
| 35.3% - 41.1% |
| 3.4% - 6.0% |
| 1.9% - 3.3% |
| 0 |
| 49.8% - 55.4% |
| 61 - 72 |
| 65 |
| Outstanding portfolio (BOB) | BOB 8,676,490.87 |
| Portfolio (USD) | USD 1,285,406.06 |
| Active Clients with Loans | 3,404 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | Insidencia Politica - Participación ciudadana |
| Other (2) | Derechos Humanos - Género |
| 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 | 5 |
| # Regions for this product | 2 |
| Regions Active | Chuquisaca , Potosí |
| Outstanding portfolio (UGX) | UGX 235,943,570 |
| Portfolio (USD) | USD 94,377 |
| Active Clients with Loans | 126 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | x |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| 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 | 1 |
| # Regions for this product | 1 |
| Regions Active | Western |
| Currency | BOB |
| Minimum loan size | BOB 2,500 |
| Maximum loan size | 9,500 |
| Loans less than BOB 10,000 | 100% |
| BOB 10,000-40,000 | 0 |
| BOB 40,000-70,000 | 0 |
| BOB 70,000-100,000 | 0 |
| BOB 100,000-125,000 | 0 |
| Greater than BOB 125,000 | 0 |
| Shortest loan term | 6.0 months |
| Longest loan term | 18.0 months |
| Approx average | 11.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 10% |
| 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 | x |
| Irregular payments |
| Currency | UGX |
| Minimum loan size | UGX 100,000 |
| Maximum loan size | 5,000,000 |
| Loans less than UGX 1,000,000 | 20% |
| UGX 1,000,000-5,000,000 | 80% |
| 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 | 4.0 months |
| Longest loan term | 12.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 20% |
| Between 7 and 9 months | 50% |
| Between 10 and 12 months | 30% |
| 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 | 24.00% |
| Highest quoted nominal interest | 24.00% |
| 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 | Seguro de desgravamen |
| % of loan amount - min | 0.32% |
| % of loan amount - max | 0.95% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Se cobra mensualmente el 0.0525% sobre el saldo del capital |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 6.00% |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| 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 | 34.00% |
| Highest quoted nominal interest | 36.00% |
| Reason(s) why interest rate varies | Client Risk |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Loan Commitment Fee |
| % 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 |
| Fee 1 | |
|---|---|
| Description | Loan Monitoring Fee |
| % 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 |
| Ins 1 | |
|---|---|
| Description | Loan Protection Fund |
| % 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? | Yes |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 10.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 6.00% |
| Maximum interest rate paid | 6.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | BOB 2,500 | BOB 5,000 | BOB 6,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-12-19 | 2014-02-14 | 2014-02-13 | ||
| Loan Term (Months) | 6.0 months | 10.0 months | 12.0 months | ||
| Grace Period (Months) | 0.0 months | -0.1 months | -0.1 months | ||
| Total Cost of Credit | BOB 179.59 | BOB 585.31 | BOB 836.68 | ||
| True Price by Comp | |||||
| Interest price component | 23.8% | 24.0% | 23.9% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.6% | 0.6% | 0.7% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 5.9% | 6.0% | 5.9% | ||
| Full APR (int fee ins tax dep) | 30.3% | 30.6% | 30.5% | ||
| Transparency Index | 79 | 79 | 79 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | UGX 350,000 | UGX 700,000 | UGX 1,600,000 | UGX 2,700,000 | |||
| Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | 2 | |||
| Disbursement Date | 2012-08-02 | 2012-08-02 | 2012-07-28 | 2012-09-02 | |||
| Loan Term (Months) | 7.0 months | 12.0 months | 12.0 months | 13.0 months | |||
| Grace Period (Months) | 1.0 month | 1.0 month | 1.0 month | 2.0 months | |||
| Total Cost of Credit | UGX 52,500 | UGX 157,500 | UGX 360,000 | UGX 769,500 | |||
| True Price by Comp | |||||||
| Interest price component | 35.3% | 35.4% | 35.3% | 41.1% | |||
| Fee Component | 6.0% | 3.8% | 4.2% | 3.4% | |||
| Insurance Component | 3.3% | 2.1% | 2.1% | 1.9% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 8.8% | 8.5% | 8.6% | 9.0% | |||
| Full APR (int fee ins tax dep) | 53.4% | 49.8% | 50.2% | 55.4% | |||
| Transparency Index | 64 | 68 | 68 | 61 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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