- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	119
KF	233,600	41,416,000	4	118
NRSP	399,900	70,157,000	3	119
ASA	230,400	29,637,000	3	119
TMFB	221,200	85,449,000	7	119
FMFB	163,544	38,481,323	9	138
TRDP	100,000	13,817,000	3	119
PRSP	75,656	9,907,176	3	138
BRAC^P	57,300	11,869,000	3	119
SRSO	51,100	7,775,000	3	119
SSF	46,000	4,776,000	3	119
FINCA	82,000	43,559,000	9	119
JWS	36,000	6,545,000	2	119
RCDS	35,552	4,856,122	4	138
DAMEN	35,185	7,150,864	1	138
FFO	22,400	3,335,000	3	119
OLP	21,400	3,510,000	3	119
CSC	17,600	3,147,000	1	119
AMRDO	13,800	1,206,000	5	119
WMBL	13,800	6,105,000	3	119
Mojaz	13,400	2,415,000	2	119
SDF	11,500	1,041,000	4	119
POMFB	8,500	2,795,000	4	119
OPD	7,500	918,000	2	119
AGAHE	7,300	797,000	2	119
NRDP	6,184	1,521,972	3	138
GBTI	6,100	669,000	3	138
WASIL	4,300	1,135,000	2	119
Micro Options	4,000	768,000	5	119
VDO	3,900	489,000	3	138
SVDP	3,900	811,000	13	138
SRDO	3,500	766,000	4	119
OSDI	2,000	923,000	3	119
APMBL	1,800	1,401,000	3	119
BEDF	1,400	209,000	3	138
KCDO	800	94,000	1	138

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

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/

Loan Term/

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

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