2. APAS
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CRECER
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

APAS Financial Services Ltd 4th Floor Diamond Trust BuildingKampala, CentralPO Box 9360
Data approved: 2011-06-29
Data version: 1
Age of data: 163 months

Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 130 months
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Product

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Product

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Product Summary

Number borrowers200
Loan Amount (range)UGX 100,000 - 1,500,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Educ, Group Mtgs, Business Training
Annual Interest & Method48.00% annual, Flat
Fees2.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component40.1% - 86.6% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)40.1% - 86.6%
Transparency Index (min/max)55 - 120
Transparency Index (average)75

Product Summary

809
BOB 700 - 70,000
3.4 - 61.2
Credit Educ, Credit Ins
19.0%-30.0% annual, Decl Bal
None
None
None
N/A
 
16.3% - 36.0%
0
0
0
20.4% - 27.5%
51 - 101
75

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 250,000,000
Portfolio (USD)USD 100,000
Active Clients with Loans200
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
These are loans given to market operators in groups. The selection is based on enterprise similarity.
Loan Purpose
Any purpose
Income generationx
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
Menx
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 institution2
# Regions for this product2
Regions ActiveEastern, Western

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 6,322,873
Portfolio (USD)USD 936,721.93
Active Clients with Loans809
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para personas naturales destinado a financiar la adquisición de bienes de consumo o el pago de servicios, su fuente principal de pago es el salario de una personal o ingresos provenientes de una actividad económica
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
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

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
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 term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 700
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00070%
BOB 10,000-40,00030%
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 term3.4 months
Longest loan term61.2 months
Approx average24.6 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months20%
Longer than 18 months70%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest19.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Group Loans samples
Sample 1Sample 2Sample 3
Loan AmountUGX 320,000UGX 800,000UGX 1,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-11-232010-11-232010-11-23
Loan Term (Months)3.7 months3.7 months3.7 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component86.5%64.1%40.1%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)86.5%64.1%40.1%
Transparency Index5575100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Crédito para Consumo - BOB samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 9,000BOB 8,000BOB 8,000BOB 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-052013-12-052013-12-052013-12-05
Loan Term (Months)8.0 months15.0 months22.0 months15.0 months
Grace Period (Months)0.1 months0.1 months0.1 months0.1 months
Total Cost of CreditBOB 696.27BOB 1,484.40BOB 2,129.99BOB 4,638.75
True Price by Comp       
Interest price component20.4%27.5%27.5%27.5%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.4%27.5%27.5%27.5%
Transparency Index93696969
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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