Outstanding portfolio (USD) | USD 8,032,746.36 |
Portfolio (USD) | USD 8,032,746.36 |
Active Clients with Loans | 466 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
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 | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | 5 |
Regions Active | Chuquisaca , Cochabamba , La Paz , Potosí, Tarija |
Currency | USD |
Minimum loan size | USD 100 |
Maximum loan size | 15,000 |
Loans less than USD 1,500 | 20% |
USD 1,500-5,000 | 60% |
USD 5,000-10,000 | 15% |
USD 10,000-15,000 | 5% |
USD 15,000-18,000 | 0 |
Greater than USD 18,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 60.0 months |
Approx average | 24.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 10% |
Longer than 18 months | 80% |
Grace period usage | 10% |
Average grace period | 1.0 month |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | x |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 9.00% |
Highest quoted nominal interest | 18.00% |
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 | Seguro de desgravamen |
% of loan amount - min | 0.32% |
% of loan amount - max | 3.15% |
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 | 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 |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | USD 1,000 | USD 2,500 | USD 4,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-12-28 | 2013-12-12 | 2013-12-23 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 49.0 months | ||
Grace Period (Months) | -0.1 months | 0.0 months | -0.1 months | ||
Total Cost of Credit | USD 104.04 | USD 263.51 | USD 1,722.69 | ||
True Price by Comp | |||||
Interest price component | 18.2% | 18.2% | 18.1% | ||
Fee Component | 0.7% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.6% | 0.6% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 18.9% | 18.8% | 18.7% | ||
Transparency Index | 48 | 48 | 48 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
APAS | 320 | 128,000 | 2 | 161 |
BRAC-UGA | 139,200 | 28,254,000 | 3 | 117 |
Centenary Bank | 133,802 | 221,144,231 | 4 | 142 |
EBO SACCO | 1,500 | 1,240,382 | 2 | 142 |
Equity Bank | 13,069 | 57,252,004 | 0 | 142 |
Finance Trust | 22,555 | 17,520,424 | 5 | 142 |
FINCA-UGA | 56,300 | 27,402,000 | 4 | 115 |
Five Talents | 5,365 | 368,057 | 2 | 142 |
Gatsby | 1,346 | 2,440,236 | 2 | 142 |
Habitat Uganda | 858 | 265,508 | 1 | 142 |
Hofokam | 20,908 | 4,793,200 | 6 | 142 |
KACITA | 156 | 60,318 | 1 | 142 |
Madfa SACCO | 4,832 | 288,674 | 5 | 142 |
Opportunity | 23,734 | 13,560,846 | 13 | 142 |
RUCREF | 5,557 | 898,380 | 4 | 161 |
Rushere SACCO | 983 | 574,549 | 2 | 142 |
SAO | 204 | 62,768 | 1 | 142 |
Silver Upholders | 2,111 | 189,189 | 4 | 142 |
THPU | 6,528 | 676,391 | 1 | 142 |
UGAFODE | 8,197 | 4,720,446 | 9 | 142 |
VF Uganda | 13,072 | 3,221,675 | 5 | 142 |
Wakiso | 513 | 276,000 | 1 | 142 |
Y-SAVE | 208 | 1,686,485 | 1 | 142 |
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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