2. BRAC-UGA
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AMRET
Please note that the information you are viewing is 139 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 ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 119 months
Choose version

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 139 months
Choose version

Product

Microfinance 6-Month Loan Product 2 of 3 « Prev | Next »

Product

Consumption Loan (KHR) Product 4 of 8 « Prev | Next »

Product Summary

Number borrowers26,944
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 & Method25.0% annual, Flat
Fees1,500.00 upfront 1,500.00 upfront
InsuranceNone
TaxNone
Comp Dep10.0% upfront
Range of pricing 
Interest Price Component43.1% - 46.3%
Fee Component0.2% - 6.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)56.6% - 60.7%
Transparency Index (min/max)39 - 46
Transparency Index (average)43

Product Summary

1,473
KHR 1,000,000 - 20,000,000
3 - 24
30.0%-42.0% annual, Decl Bal
None
None
None
N/A
 
14.3% - 38.4%
0
0
0
32.0% - 38.4%
58 - 112
86

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 10,832,121,611
Portfolio (USD)USD 4,289,949.15
Active Clients with Loans26,944
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans for women
Loan Purpose
Any purposex
Income generation
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
Men
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 institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 2,676,171,500
Portfolio (USD)USD 677,511.77
Active Clients with Loans1,473
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
For individuals intending to purchase household equipment or personal items orto pay for tuition fees for high school, technical school, university and post-graduate studies to enhance family's member capacity.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 350,000
Maximum loan size2,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00060%
UGX 1,000,000-5,000,00040%
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 term5.0 months
Longest loan term7.0 months
Approx average5.0 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
CurrencyKHR
Minimum loan sizeKHR 1,000,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00030%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,00020%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months20%
Between 10 and 12 months40%
Between 13 and 18 months20%
Longer than 18 months10%
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan AppraisalMembership Fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min1,5001,500
Fixed amount - max1,5001,500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
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

Microfinance 6-Month Loan samples
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF

Full Pricing Data

Consumption Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,200KHR 2,400,000KHR 4,000,000KHR 6,800,000KHR 6,000,000KHR 8,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-052013-02-062012-12-202012-12-142013-02-282012-02-10
Loan Term (Months)19.0 months18.0 months24.0 months24.0 months25.0 months24.0 months
Grace Period (Months)0.6 months0.2 months0.2 months0.0 months0.6 months0.0 months
Total Cost of CreditKHR 392.90KHR 697,400KHR 1,516,000KHR 2,336,800KHR 2,319,500KHR 2,701,300
True Price by Comp           
Interest price component38.4%35.5%35.5%32.5%35.1%32.0%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)38.4%35.5%35.5%32.5%35.1%32.0%
Transparency Index788484928594
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Microfinance 6-Month Loan Price Graphs


Click to view Price Analysis Tool
Consumption Loan (KHR) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞