2. Bonzali Rural
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bonzali Rural Bank KumbunguNorthern RegionPO Box 1197
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Product

Agricultural Loan Product 1 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 153,527
Portfolio (USD)USD 77,932.49
Active Clients with Loans500
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans given to farmers and farmer based organisations in the cultivation of farm produce
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
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
Menx
Womenx
Must run a business
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size2,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average6.0 months
Grace Period
Grace period usage70%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min3.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
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?
Do borrowers control deposit in their group?
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 depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 377.09GHS 628.48GHS 1,099.84
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-152011-03-152011-03-15
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component88.2%88.2%88.2%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component14.2%14.2%14.2%
Full APR (int fee ins tax dep)102.4%102.4%102.4%
Transparency Index292929
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agricultural Loan Price Graphs


Click to view Price Analysis Tool
Institution # Borrowers Portfolio (US$) Products Age of Data
APAS320128,0002163
BRAC-UGA139,20028,254,0003119
Centenary Bank133,802221,144,2314144
EBO SACCO1,5001,240,3822144
Equity Bank13,06957,252,0040144
Finance Trust22,55517,520,4245144
FINCA-UGA56,30027,402,0004117
Five Talents5,365368,0572144
Gatsby1,3462,440,2362144
Habitat Uganda858265,5081144
Hofokam20,9084,793,2006144
KACITA15660,3181144
Madfa SACCO4,832288,6745144
Opportunity23,73413,560,84613144
RUCREF5,557898,3804163
Rushere SACCO983574,5492144
SAO20462,7681144
Silver Upholders2,111189,1894144
THPU6,528676,3911144
UGAFODE8,1974,720,4469144
VF Uganda13,0723,221,6755144
Wakiso513276,0001144
Y-SAVE2081,686,4851144
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞