Outstanding portfolio (BOB) | BOB 78,580,575 |
Portfolio (USD) | USD 11,641,566.67 |
Active Clients with Loans | 1,900 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | x |
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 | 9 |
# Regions for this product | 8 |
Regions Active | Beni , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 1,000 |
Maximum loan size | 610,000 |
Loans less than BOB 10,000 | 15% |
BOB 10,000-40,000 | 40% |
BOB 40,000-70,000 | 30% |
BOB 70,000-100,000 | 5% |
BOB 100,000-125,000 | 5% |
Greater than BOB 125,000 | 5% |
Shortest loan term | 1.0 month |
Longest loan term | 120.0 months |
Approx average | 45.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 5% |
Between 13 and 18 months | 10% |
Longer than 18 months | 80% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | x |
Single end payment | |
Irregular payments | x |
Lowest quoted nominal interest | 16.45% |
Highest quoted nominal interest | 33.00% |
Reason(s) why interest rate varies | Loan Size, Client Risk, Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | Yes |
Is rate fixed for entire loan term | 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 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | BOB 3,000 | BOB 5,200 | BOB 69,400 | BOB 82,320 | BOB 137,200 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2013-11-08 | 2013-10-30 | 2014-02-08 | 2014-02-18 | 2013-11-08 | ||||
Loan Term (Months) | 4.2 months | 13.0 months | 19.0 months | 49.0 months | 37.0 months | ||||
Grace Period (Months) | -1.8 months | 5.5 months | 0.7 months | 9.1 months | 0.3 months | ||||
Total Cost of Credit | BOB 195.60 | BOB 1,156.48 | BOB 12,284.50 | BOB 39,628.88 | BOB 46,163.24 | ||||
True Price by Comp | |||||||||
Interest price component | 17.7% | 25.6% | 18.5% | 17.9% | 18.8% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 0.6% | 0.8% | 1.1% | 0.9% | 1.1% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 18.3% | 26.4% | 19.6% | 18.8% | 19.9% | ||||
Transparency Index | 90 | 62 | 84 | 88 | 83 | ||||
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 | 141 |
EBO SACCO | 1,500 | 1,240,382 | 2 | 141 |
Equity Bank | 13,069 | 57,252,004 | 0 | 141 |
Finance Trust | 22,555 | 17,520,424 | 5 | 141 |
FINCA-UGA | 56,300 | 27,402,000 | 4 | 115 |
Five Talents | 5,365 | 368,057 | 2 | 141 |
Gatsby | 1,346 | 2,440,236 | 2 | 141 |
Habitat Uganda | 858 | 265,508 | 1 | 141 |
Hofokam | 20,908 | 4,793,200 | 6 | 141 |
KACITA | 156 | 60,318 | 1 | 141 |
Madfa SACCO | 4,832 | 288,674 | 5 | 141 |
Opportunity | 23,734 | 13,560,846 | 13 | 141 |
RUCREF | 5,557 | 898,380 | 4 | 161 |
Rushere SACCO | 983 | 574,549 | 2 | 141 |
SAO | 204 | 62,768 | 1 | 141 |
Silver Upholders | 2,111 | 189,189 | 4 | 141 |
THPU | 6,528 | 676,391 | 1 | 141 |
UGAFODE | 8,197 | 4,720,446 | 9 | 141 |
VF Uganda | 13,072 | 3,221,675 | 5 | 141 |
Wakiso | 513 | 276,000 | 1 | 141 |
Y-SAVE | 208 | 1,686,485 | 1 | 141 |
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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