2. APAS
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AgroCapital
Please note that the information you are viewing is 168 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: 160 months

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 168 months

Product

Individual Business Loans Product 2 of 2 « Prev | Next »

Product

Plan Microcrédito I (Microcrédito Secuencial) (USD) Product 9 of 11 « Prev | Next »

Product Summary

Number borrowers120
Loan Amount (range)UGX 500,000 - 10,000,000
Loan Term (range)1 - 6
Other Services (text summary)Other Training
Annual Interest & Method60.00%-120.00% annual, Flat
Fees2.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component86.2% - 87.1% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)86.2% - 87.1%
Transparency Index (min/max)55 - 120
Transparency Index (average)69

Product Summary

2,807
USD 195 - 12,000
6 - 60
Credit Ins
22.0%-35.8% annual, Decl Bal
5.00% upfront 5.00% ongoing
None
15.00% Principal
N/A
 
N/A
26.9% - 31.3% (Int+Fee)
0 - 0.6%
0 - 0.4%
27.1% - 31.6%
0 - N/A
72

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 70,000,000
Portfolio (USD)USD 28,000
Active Clients with Loans120
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans given to individual business owners.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
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 (USD)USD 3,614,561.85
Portfolio (USD)USD 3,614,561.85
Active Clients with Loans2,807
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto crediticio orientado a financiar actividades de Clientes que cuenten con volumen de negocios y patrimonio relativamente pequeño y tengan experiencia y capacidad para manejar sus negocios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
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 worker
Must be specific age group
OtherBuenos antecedentes personales y crediticios. Actividad económica y financieramente viable.
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
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size10,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00030%
UGX 1,000,000-5,000,00030%
UGX 5,000,000-7,500,00020%
UGX 7,500,000-10,000,00020%
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average3.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months50%
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
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 195
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average25.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest5.00%
Highest quoted nominal interest10.00%
Reason(s) why interest rate variesClient Risk, Collateral
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 interest22.00%
Highest quoted nominal interest35.75%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Individual Business Loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 700,000UGX 1,200,000UGX 3,000,000UGX 6,400,000UGX 9,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-11-062010-11-092010-06-252010-08-182010-11-06
Loan Term (Months)4.0 months4.0 months4.0 months4.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component87.1%87.1%86.5%86.2%87.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)87.1%87.1%86.5%86.2%87.1%
Transparency Index6969697069
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Plan Microcrédito I (Microcrédito Secuencial) (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 350USD 900USD 2,150USD 3,800USD 7,000
Loan Cycle (1, 2, 3, etc)24336
Disbursement Date2010-04-282010-05-072010-02-092010-03-232010-03-05
Loan Term (Months)18.0 months24.0 months30.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component31.3%31.0%31.0%30.4%26.9%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.2%0.2%0.1%0.4%0.2%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.6%31.2%31.1%30.8%27.1%
Transparency Index7071717181
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Individual Business Loans Price Graphs


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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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