Outstanding portfolio (UGX) | UGX 48,744,547,252 |
Portfolio (USD) | USD 19,304,771.19 |
Active Clients with Loans | 106,742 |
Approximate % Female Clients | 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
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) |
# Regions for this institution | 4 |
# Regions for this product | 5 |
Regions Active | Central, Eastern, Northern, Western, Southern |
Currency | UGX |
Minimum loan size | UGX 350,000 |
Maximum loan size | 3,500,000 |
Loans less than UGX 1,000,000 | 60% |
UGX 1,000,000-5,000,000 | 40% |
UGX 5,000,000-7,500,000 | 0 |
UGX 7,500,000-10,000,000 | 0 |
UGX 10,000,000-13,000,000 | 0 |
Greater than UGX 13,000,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.5 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 25.00% |
Highest quoted nominal interest | 25.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Loan Appraisal | Membership Fee | |
% of loan amount - min | 1.00% | 0 | |
% of loan amount - max | 1.00% | 0 | |
OR, Fixed amount - min | 0 | 1,500 | |
Fixed amount - max | 0 | 1,500 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | Yes | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Final Pmt |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
UGX 1,300,000 | Real | 2015-01-01 | 4.4 months | N/A | UGX 132,924.66 | 63.5% | 46.1% | 6.0% | 0.0% | 0.0% | 11.4% | 39 | ||
UGX 1,300,000 | Generated | 2015-01-01 | 4.4 months | N/A | UGX 132,924.66 | 63.5% | 46.1% | 6.0% | 0.0% | 0.0% | 11.4% | 39 | - | |
UGX 700,000 | Generated | 2015-01-01 | 4.6 months | N/A | UGX 75,623.29 | 63.9% | 46.1% | 6.3% | 0.0% | 0.0% | 11.5% | 39 | - | |
UGX 700,000 | Real | 2015-01-01 | 4.6 months | N/A | UGX 75,623.29 | 63.9% | 46.1% | 6.3% | 0.0% | 0.0% | 11.5% | 39 | ||
UGX 350,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 90,582.19 | 58.6% | 45.6% | 3.1% | 0.0% | 0.0% | 9.9% | 43 | - | |
UGX 675,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 173,301.37 | 58.1% | 45.6% | 2.6% | 0.0% | 0.0% | 9.9% | 43 | - | |
UGX 900,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 230,568.49 | 57.9% | 45.6% | 2.5% | 0.0% | 0.0% | 9.8% | 43 | - | |
UGX 3,500,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 892,321.92 | 57.6% | 45.6% | 2.2% | 0.0% | 0.0% | 9.8% | 43 | - | |
UGX 4,000,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 1,019,582.19 | 57.6% | 45.6% | 2.2% | 0.0% | 0.0% | 9.8% | 43 | - | |
UGX 5,000,000 | Generated | 2015-01-01 | 11.7 months | N/A | UGX 1,274,102.74 | 57.5% | 45.6% | 2.2% | 0.0% | 0.0% | 9.7% | 43 | - |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.kmbi.org.ph/ |
Year established | 1986 |
Head of Institution | Damiana D. Exiomo |
Regions active | |
# Branches | 71 |
Total Portfolio (nat'l) | PhP 631,134,086 |
Total Portfolio (USD) | USD 15,098,901.58 |
Active clients with loans | 245,017 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Microfinance Council of the Philippines, Inc., Alliance of Philippine Partners in Enterprise Development (APPEND), Opportunity International Network (OIN), Banking with the Poor (BWTP) |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan | PHP 4,000 - 20,000 | 6 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan | 40.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 85.7% - 93.8% | 107.7% - 135.2% | 33 |
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