- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	163
Ahantaman RB	23,800	9,896,000	4	145
APED	13,700	1,876,000	2	145
ASA Initiative	4,400	577,000	4	145
ASA-Ghana	71,600	18,385,000	2	145
ASPI	800	88,000	6	145
Atwima Kwanwoma	3,800	1,788,000	2	145
Baobab	5,100	967,000	2	145
BestFUND	13,000	4,172,000	3	145
Bonzali Rural	10,400	1,691,000	4	163
CashPhase	83	135,000	2	145
CASUD	1,100	524,000	1	145
CEDEF	500	54,000	4	145
CFF	100	13,000	1	145
CRAN	3,600	1,019,000	2	145
DQF	1,700	63,000	2	145
EASL	9,200	11,409,000	6	145
East Mamprusi	12,500	2,268,000	4	145
ELDA	0	0	0	145
EMPRETEC Ghana	200	56,000	2	145
FASL	13,500	14,047,000	8	145
Grameen Ghana	9,500	507,000	3	145
ID-Ghana	5,600	953,000	3	145
Innovative Finance	2,700	354,000	3	145
Kraban Support	7,700	781,000	5	163
KRB	4,000	6,350,000	3	145
Lower Pra RB	34,000	6,316,000	3	163
Maata-N-Tudu	12,000	941,000	4	145
Mail Finance	300	288,000	1	145
Markaz	0	0	0	145
Markaz Al Bishara	100	17,000	1	145
MicrofinPlus Gh	1,100	251,000	2	145
Nwabiagya RB	4,000	2,265,000	3	145
OISL	62,000	27,232,000	9	145
Pro Credit	0	0	0	145
Rich Step	100	101,000	1	145
SAT	147,600	29,359,000	4	145
Sekam Trust	600	137,000	2	145
Simli Pong	8,900	463,000	3	163
SS Ghana	200	35,000	1	145
TCCU	100	32,000	3	145
The Bridge	400	32,000	3	163
Union RB	3,800	2,361,000	4	145

Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri Zone, Off Entebbe RoadKampala, Central31817

Data approved: 2011-07-27

Data version: 1

Age of data: - months

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Product

Small Enterprise Program Product 3 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (UGX)	UGX 56,882,446,705
Portfolio (USD)	USD 25,855,657.59
Active Clients with Loans	3,789
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Individual

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	UGX
Minimum loan size	UGX 1,000,000
Maximum loan size	8,000,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	5.0 months
Approx average	3.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	22.00%
Highest quoted nominal interest	22.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2	Fee 3
Description	Loan Apprisal	Legal fee	Loan Apprisal
% of loan amount - min	1.00%	0	1.00%
% of loan amount - max	1.00%	0	1.00%
OR, Fixed amount - min	0	13,000	0
Fixed amount - max	0	20,000	0
Reason for variation
Appears on Repayment Sched?	No	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1	Ins 2
Description	Death Benefit	Death Benefit
% of loan amount - min	0	0
% of loan amount - max	0	0
OR, Fixed amount - min	1,500	1,500
Fixed amount - max	1,500	1,500
Reason for variation
Appears on Repayment Sched?

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Small Enterprise Program samples

	Sample 1	Sample 2	Sample 3
Loan Amount	UGX 1,500,000	UGX 3,000,000	UGX 6,000,000
Loan Cycle (1, 2, 3, etc)	2	1	2
Disbursement Date	2012-02-16	2012-02-12	2012-03-13
Loan Term (Months)	12.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	42.4%	41.0%	40.8%
Insurance Component	0.2%	0.1%	0.1%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	8.5%	8.1%	8.1%
Full APR (int fee ins tax dep)	51.1%	49.2%	48.9%
Transparency Index	43	45	45

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Small Enterprise Program Price Graphs

Loan Size/Full APR

Loan Term/Full APR

Custom

Click to view Price Analysis Tool

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

	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

	X Axis
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