Number borrowers | 26,944 |
Loan Amount (range) | UGX 350,000 - 2,500,000 |
Loan Term (range) | 5 - 7 |
Other Services (text summary) | Credit Educ, Group Mtgs, Business Training |
Annual Interest & Method | 25.0% annual, Flat |
Fees | 1,500.00 upfront 1,500.00 upfront |
Insurance | None |
Tax | None |
Comp Dep | 10.0% upfront |
Range of pricing | |
Interest Price Component | 43.1% - 46.3% |
Fee Component | 0.2% - 6.3% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 56.6% - 60.7% |
Transparency Index (min/max) | 39 - 46 |
Transparency Index (average) | 43 |
2,358 |
BOB 7,000 - 9,671,865 |
3 - 48 |
Credit Ins, Ahorro |
18.0%-32.0% annual, Decl Bal |
None |
0.30%-4.80% ongoing |
None |
N/A |
13.1% - 32.0% |
0 - 1.1% |
0 - 1.4% |
0 |
23.3% - 33.2% |
44 - 91 |
67 |
Outstanding portfolio (UGX) | UGX 10,832,121,611 |
Portfolio (USD) | USD 4,289,949.15 |
Active Clients with Loans | 26,944 |
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 |
Outstanding portfolio (BOB) | BOB 62,256,948.20 |
Portfolio (USD) | USD 9,223,251.59 |
Active Clients with Loans | 2,358 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
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 | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | Ahorro |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | x |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 5 |
# Regions for this product | 5 |
Regions Active | Chuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija |
Currency | UGX |
Minimum loan size | UGX 350,000 |
Maximum loan size | 2,500,000 |
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 | 5.0 months |
Longest loan term | 7.0 months |
Approx average | 5.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
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 |
Currency | BOB |
Minimum loan size | BOB 7,000 |
Maximum loan size | 9,671,865 |
Loans less than BOB 10,000 | 20% |
BOB 10,000-40,000 | 50% |
BOB 40,000-70,000 | 20% |
BOB 70,000-100,000 | 10% |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 48.0 months |
Approx average | 27.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 5% |
Between 13 and 18 months | 5% |
Longer than 18 months | 90% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
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 | 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 | 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 |
Lowest quoted nominal interest | 18.00% |
Highest quoted nominal interest | 32.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Collateral |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | No |
Ins 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 0.30% |
% of loan amount - max | 4.80% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Comisión de 0.1% mensual que aplica sólo al saldo del principal del préstamo pendiente. |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
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 350,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 44,952.05 | 60.7% | 46.3% | 3.5% | 0.0% | 0.0% | 10.9% | 41 | - | |
UGX 675,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 83,907.53 | 58.5% | 46.3% | 1.8% | 0.0% | 0.0% | 10.4% | 43 | - | |
UGX 900,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 110,876.71 | 58.0% | 46.3% | 1.3% | 0.0% | 0.0% | 10.4% | 43 | - | |
UGX 1,800,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 218,753.42 | 57.1% | 46.3% | 0.7% | 0.0% | 0.0% | 10.1% | 44 | - | |
UGX 2,500,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 302,657.53 | 56.9% | 46.3% | 0.5% | 0.0% | 0.0% | 10.1% | 44 | - | |
UGX 3,200,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 386,561.64 | 56.7% | 46.3% | 0.3% | 0.0% | 0.0% | 10.1% | 44 | - | |
UGX 4,300,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 518,410.96 | 56.6% | 46.3% | 0.2% | 0.0% | 0.0% | 10.1% | 44 | - | |
UGX 5,000,000 | Generated | 2015-01-01 | 5.8 months | N/A | UGX 602,315.07 | 56.6% | 46.3% | 0.2% | 0.0% | 0.0% | 10.1% | 44 | - |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | BOB 10,000 | BOB 25,000 | BOB 40,000 | BOB 70,000 | BOB 100,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2014-03-07 | 2014-03-07 | 2014-03-07 | 2014-03-07 | 2014-03-07 | ||||
Loan Term (Months) | 12.0 months | 18.0 months | 26.0 months | 35.0 months | 42.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | BOB 1,334.60 | BOB 6,079.15 | BOB 16,877.27 | BOB 26,505.59 | BOB 57,608.61 | ||||
True Price by Comp | |||||||||
Interest price component | 22.1% | 27.1% | 32.0% | 22.1% | 27.1% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 1.4% | 1.3% | 1.2% | 1.2% | 1.2% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 23.5% | 28.4% | 33.2% | 23.3% | 28.3% | ||||
Transparency Index | 77 | 63 | 54 | 77 | 64 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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By Country | ||||||
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