Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.sembrarsartawi.org |
Year established | 1990 |
Head of Institution | Marcelo Mallea Castillo |
Regions active | Chuquisaca , Cochabamba , La Paz , Oruro , PotosÃ, Santa Cruz, Tarija |
# Branches | 21 |
Total Portfolio (nat'l) | BOB 181,189,915 |
Total Portfolio (USD) | USD 26,842,950.37 |
Active clients with loans | 14,630 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | FINRURAL |
Funders | Banco de Desarrollo de Holanda |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.opportunitybank.co.ug |
Year established | 1995 |
Head of Institution | Andre Lalumiere |
Regions active | Central, Eastern, Western |
# Branches | 15 |
Total Portfolio (nat'l) | UGX 35,258,199,073 |
Total Portfolio (USD) | USD 13,560,845.80 |
Active clients with loans | 23,734 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Opportunity International, AMFIU |
Funders | Opportunity International |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Capital de Inversión | BOB 1,400 - 350,000 | 3 - 36 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Inversión (USD) | USD 200 - 50,000 | 3 - 36 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Operaciones | BOB 350 - 350,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital de Operaciones (USD) | USD 50 - 50,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Capital Operaciones - Grupo Solidario | BOB 350 - 350,000 | 3 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins, Tech Asst Visits | |||||||
Libre Disponibilidad | BOB 350 - 21,000 | 6 - 80 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ | |||||||
Banca Comunal | BOB 700 - 11,000 | 3 - 12 | 40% - 60% | 20% - 40% | Business, Agriculture | Women, Men | Credit Educ |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Solidarity Group Loan | UGX 50,000 - 5,000,000 | 4 - 12 | 60% - 80% | 40% - 60% | Business, Housing, Education | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Consumer Financial Education | |||||||
School Fee Loan - Group | UGX 100,000 - 3,000,000 | 3 - 6 | 60% - 80% | 40% - 60% | Education | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
School Fee Loan - Individual | UGX 500,000 - 5,000,000 | 3 - 6 | 60% - 80% | 40% - 60% | Education | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Agriculture Loan - Group | UGX 100,000 - 15,000,000 | 3 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Agriculture Loan - Individual | UGX 500,000 - 625,000,000 | 3 - 60 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Asset Financing Loan | UGX 500,000 - 625,000,000 | 6 - 60 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Salary Loan | UGX 500,000 - 20,000,000 | 3 - 36 | 40% - 60% | 40% - 60% | Consumer | Women, Men, Salaried worker | Credit Educ, Credit Ins | |||||||
Education Loan | UGX 500,000 - 625,000,000 | 4 - 60 | 40% - 60% | 40% - 60% | Education | Women, Men, Schools & Companies are also eligible. | Credit Educ, Credit Ins | |||||||
Business Loan | UGX 500,000 - 625,000,000 | 4 - 36 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Capital de Inversión | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 22.9% - 31.6% | 23.9% - 33% | 52 | ||||||||
Capital de Inversión (USD) | 20.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 23.4% - 29.4% | 24.4% - 30.3% | 72 | ||||||||
Capital de Operaciones | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 18.3% - 31% | 19.2% - 32.5% | 59 | ||||||||
Capital de Operaciones (USD) | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 17.3% - 28.9% | 19% - 29.9% | 60 | ||||||||
Capital Operaciones - Grupo Solidario | 27.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 31.9% - 35.4% | 33.6% - 37% | 76 | ||||||||
Libre Disponibilidad | 13.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 17.9% - 25.2% | 19.5% - 26.8% | 56 | ||||||||
Banca Comunal | 30.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0%-20.0% upfront 10.00%-20.00% ongoing | 33% - 37.5% | 50% - 69.9% | 48 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Solidarity Group Loan | 27.00%-30.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 51.9% - 70.1% | 69.8% - 100.3% | 32 | ||||||||
School Fee Loan - Group | 30.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 65.3% - 72.4% | 93% - 103.1% | 30 | ||||||||
School Fee Loan - Individual | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | N/A | 48.6% - 58.6% | 50.7% - 62.3% | 43 | ||||||||
Agriculture Loan - Group | 27.00%-30.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 32.9% - 61.6% | 39% - 86.6% | 50 | ||||||||
Agriculture Loan - Individual | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | 15.00% upfront | 45.6% - 59.2% | 59.8% - 82.1% | 33 | ||||||||
Asset Financing Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | N/A | 43.7% - 53.2% | 44.9% - 56.4% | 47 | ||||||||
Salary Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | N/A | 43.8% - 55.1% | 44.7% - 58.4% | 47 | ||||||||
Education Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | N/A | 43.2% - 45.2% | 44.8% - 46.8% | 52 | ||||||||
Business Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins | None | N/A | 40.3% - 58.8% | 42.3% - 62.7% | 47 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Capital de Inversión | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 22.9% - 31.6% | 23.9% - 33% | 52 | ||||||||
Capital de Inversión (USD) | 20.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 23.4% - 29.4% | 24.4% - 30.3% | 72 | ||||||||
Capital de Operaciones | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 18.3% - 31% | 19.2% - 32.5% | 59 | ||||||||
Capital de Operaciones (USD) | 15.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 17.3% - 28.9% | 19% - 29.9% | 60 | ||||||||
Capital Operaciones - Grupo Solidario | 27.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 31.9% - 35.4% | 33.6% - 37% | 76 | ||||||||
Libre Disponibilidad | 13.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 17.9% - 25.2% | 19.5% - 26.8% | 56 | ||||||||
Banca Comunal | 30.0%-36.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.0%-20.0% upfront 10.00%-20.00% ongoing | 33% - 37.5% | 50% - 69.9% | 48 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Solidarity Group Loan | 27.00%-30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 51.9% - 70.1% | 69.8% - 100.3% | 32 | ||||||||
School Fee Loan - Group | 30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 65.3% - 72.4% | 93% - 103.1% | 30 | ||||||||
School Fee Loan - Individual | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | N/A | 48.6% - 58.6% | 50.7% - 62.3% | 43 | ||||||||
Agriculture Loan - Group | 27.00%-30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 32.9% - 61.6% | 39% - 86.6% | 50 | ||||||||
Agriculture Loan - Individual | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | 15.00% upfront | 45.6% - 59.2% | 59.8% - 82.1% | 33 | ||||||||
Asset Financing Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | N/A | 43.7% - 53.2% | 44.9% - 56.4% | 47 | ||||||||
Salary Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | N/A | 43.8% - 55.1% | 44.7% - 58.4% | 47 | ||||||||
Education Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | N/A | 43.2% - 45.2% | 44.8% - 46.8% | 52 | ||||||||
Business Loan | 24.00% annual, Decl Bal | 3 Fees | 1 Ins Ins | None | N/A | 40.3% - 58.8% | 42.3% - 62.7% | 47 |
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