Institution

ProMujer Bolivia Avenida Hernando Siles No 5411La Paz
Data approved: 2013-10-30
Data version: 2
Age of data: 130 months
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Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 120 months

Product

Banca Comunal Urbano Product 15 of 16 « Prev | Next »

Product

Microfinance 1-Year Loan Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers92,141
Loan Amount (range)BOB 300 - 18,000
Loan Term (range)4 - 12
Other Services (text summary)Group Mtgs, Credit Ins, Business Training
Annual Interest & Method35.0% annual, Decl Bal
FeesNone
Insurance2.50 ongoing
TaxNone
Comp Dep10.00% ongoing
Range of pricing 
Interest Price Component18.1% - 35.1%
Fee Component0
Insurance Component0 - 5.3%
Tax Component Range0
Full APR (int fee ins tax dep)39.3% - 58.9%
Transparency Index (min/max)56 - 89
Transparency Index (average)68

Product Summary

106,742
UGX 350,000 - 3,500,000
3 - 12.5
Credit Educ, Group Mtgs, Business Training
25.0% annual, Flat
1.00% upfront 1,500.00 upfront
None
None
10.0% upfront
 
43.1% - 46.3%
0.2% - 6.3%
0
0
57.5% - 63.9%
39 - 46
41

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 252,053,764.60
Portfolio (USD)USD 37,341,298.46
Active Clients with Loans92,141
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Credito a banca comunal con un minimo de 8 personas. Forma parte del programa de desarrollo humano enfocado en zonas urbanas.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
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
OtherLos clientes nuevos no necesitan tener un negocio (suficiente con un plan de negocio)
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 48,744,547,252
Portfolio (USD)USD 19,304,771.19
Active Clients with Loans106,742
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans for women
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 300
Maximum loan size18,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00080%
BOB 10,000-40,00020%
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average7.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months50%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 350,000
Maximum loan size3,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00060%
UGX 1,000,000-5,000,00040%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.5 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest35.00%
Highest quoted nominal interest35.00%
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
DescriptionPaquete de Seguro Desgravamen y Vida
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2.50
Fixed amount - max2.50
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaFirst cycle loans: 0% upfront deposit requirement. Multiple cycle loans - 20% upfront deposit requirement
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0.06%
Maximum interest rate paid0.80%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan AppraisalMembership Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Banca Comunal Urbano samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountBOB 1,000BOB 3,000BOB 5,000BOB 7,000BOB 9,000BOB 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-062013-12-062013-12-062013-12-062013-12-062013-12-06
Loan Term (Months)7.0 months5.6 months7.0 months11.0 months5.6 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 146BOB 307.32BOB 651.68BOB 1,328.64BOB 891.96BOB 2,999.96
True Price by Comp           
Interest price component35.0%35.1%35.0%35.0%35.0%35.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component5.3%1.7%1.1%0.8%0.6%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.8%2.5%22.8%22.5%21.9%22.2%
Full APR (int fee ins tax dep)43.1%39.3%58.9%58.3%57.5%57.6%
Transparency Index818959606161
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Microfinance 1-Year Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
UGX 1,300,000 Real 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 PDF PDF
UGX 1,300,000 Generated 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 - PDF
UGX 700,000 Generated 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 - PDF
UGX 700,000 Real 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 PDF PDF
UGX 350,000 Generated 2015-01-01 11.7 months N/A UGX 90,582.19 58.6% 45.6% 3.1% 0.0% 0.0% 9.9% 43 - PDF
UGX 675,000 Generated 2015-01-01 11.7 months N/A UGX 173,301.37 58.1% 45.6% 2.6% 0.0% 0.0% 9.9% 43 - PDF
UGX 900,000 Generated 2015-01-01 11.7 months N/A UGX 230,568.49 57.9% 45.6% 2.5% 0.0% 0.0% 9.8% 43 - PDF
UGX 3,500,000 Generated 2015-01-01 11.7 months N/A UGX 892,321.92 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 4,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,019,582.19 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 5,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,274,102.74 57.5% 45.6% 2.2% 0.0% 0.0% 9.7% 43 - PDF
Banca Comunal Urbano Price Graphs


Microfinance 1-Year 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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X Axis
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By Country

Total Borrowers of Samples

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