- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	154
Ahantaman RB	23,800	9,896,000	4	136
APED	13,700	1,876,000	2	136
ASA Initiative	4,400	577,000	4	136
ASA-Ghana	71,600	18,385,000	2	136
ASPI	800	88,000	6	136
Atwima Kwanwoma	3,800	1,788,000	2	136
Baobab	5,100	967,000	2	136
BestFUND	13,000	4,172,000	3	136
Bonzali Rural	10,400	1,691,000	4	154
CashPhase	83	135,000	2	136
CASUD	1,100	524,000	1	136
CEDEF	500	54,000	4	136
CFF	100	13,000	1	136
CRAN	3,600	1,019,000	2	136
DQF	1,700	63,000	2	136
EASL	9,200	11,409,000	6	136
East Mamprusi	12,500	2,268,000	4	136
ELDA	0	0	0	136
EMPRETEC Ghana	200	56,000	2	136
FASL	13,500	14,047,000	8	136
Grameen Ghana	9,500	507,000	3	136
ID-Ghana	5,600	953,000	3	136
Innovative Finance	2,700	354,000	3	136
Kraban Support	7,700	781,000	5	154
KRB	4,000	6,350,000	3	136
Lower Pra RB	34,000	6,316,000	3	154
Maata-N-Tudu	12,000	941,000	4	136
Mail Finance	300	288,000	1	136
Markaz	0	0	0	136
Markaz Al Bishara	100	17,000	1	136
MicrofinPlus Gh	1,100	251,000	2	136
Nwabiagya RB	4,000	2,265,000	3	136
OISL	62,000	27,232,000	9	136
Pro Credit	0	0	0	136
Rich Step	100	101,000	1	136
SAT	147,600	29,359,000	4	136
Sekam Trust	600	137,000	2	136
Simli Pong	8,900	463,000	3	154
SS Ghana	200	35,000	1	136
TCCU	100	32,000	3	136
The Bridge	400	32,000	3	154
Union RB	3,800	2,361,000	4	136

Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ebirungi Birugomutuutu Savings & Credit Co-operative Society Ltd BwizibweraKashaariMbarara, Western-UgandaPO Box 384 MBA

Data approved: 2012-07-02

Data version: 2

Age of data: 140 months

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Product

Agricultural Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (UGX)	UGX 2,569,365,740
Portfolio (USD)	USD 1,027,746
Active Clients with Loans	2,540
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group	x
Village banking	x
Self help group
Other

Description

Loan amount depends on capacity. Includes training on loan management. Ability to repay considers all sources of income. Cattle fattening and crop farming fall under this loan category.

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

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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	1
# Regions for this product	1
Regions Active	Western

Loan Conditions

Loan Amount

Currency	UGX
Minimum loan size	UGX 100,000
Maximum loan size	15,000,000

Distribution at Disbursement (Est.)

Loans less than UGX 1,000,000	15%
UGX 1,000,000-5,000,000	15%
UGX 5,000,000-7,500,000	20%
UGX 7,500,000-10,000,000	20%
UGX 10,000,000-13,000,000	15%
Greater than UGX 13,000,000	15%

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	12.0 months
Approx average	8.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	10%
Between 7 and 9 months	10%
Between 10 and 12 months	80%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	3.0 months

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	3.00%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Loan Commitment Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Protection Fund
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

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?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	6.00%
Maximum interest rate paid	6.00%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Agricultural Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	UGX 700,000	UGX 1,600,000	UGX 3,000,000	UGX 5,800,000	UGX 9,000,000	UGX 10,000,000
Loan Cycle (1, 2, 3, etc)	3	8	2	12	8	8
Disbursement Date	2012-07-20	2012-08-02	2012-07-21	2012-07-12	2012-07-03	2012-07-04
Loan Term (Months)	12.0 months	12.0 months	12.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	1.0 month	1.1 months	1.0 month	1.1 months	1.0 month	1.0 month
Total Cost of Credit	UGX 157,500	UGX 360,000	UGX 675,000	UGX 1,305,000	UGX 2,025,000	UGX 2,250,000
True Price by Comp
Interest price component	35.3%	35.4%	35.3%	35.3%	35.3%	35.3%
Fee Component	4.2%	4.1%	4.1%	4.1%	4.1%	4.2%
Insurance Component	2.1%	2.2%	2.1%	2.1%	2.2%	2.1%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	8.6%	8.6%	8.7%	8.7%	8.6%	8.6%
Full APR (int fee ins tax dep)	50.2%	50.3%	50.2%	50.2%	50.2%	50.2%
Transparency Index	72	72	72	72	72	72

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

Agricultural Loan Price Graphs

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

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Agricultural Loan samples

Agricultural Loan Price Graphs

Total Borrowers of Samples

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