2. BRAC-UGA
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CASUD
Please note that the information you are viewing is 144 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: 124 months
Choose version

Institution

Community Aid for Sustainable Development Head OfficeTamale, NorthernP.O. Box 2550
Data approved: 2013-03-14
Data version: 2
Age of data: 144 months
Choose version

Product

Small Enterprise Program Product 3 of 3 « Prev | Next »

Product

Business Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers5,536
Loan Amount (range)UGX 2,500,000 - 25,000,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Business Training
Annual Interest & Method25.0% annual, Flat
Fees1.00% upfront 3,000.00 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)53.9% - 54.5%
Transparency Index (min/max)39 - 46
Transparency Index (average)46

Product Summary

1,101
GHS 100 - 3,000
4
Group Mtgs, Business Training
30.00% annual, Flat
None
None
None
10.00% upfront
 
59.4%
0
0
0
72.1%
42
41

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 11,765,262,356
Portfolio (USD)USD 4,659,509.84
Active Clients with Loans5,536
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual loans
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,033,300
Portfolio (USD)USD 540,995
Active Clients with Loans1,101
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed for groups of women between 25-30 members. Loans used for business purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution1
# Regions for this product1
Regions ActiveNorthern Region

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 2,500,000
Maximum loan size25,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0000
UGX 1,000,000-5,000,00030%
UGX 5,000,000-7,500,00040%
UGX 7,500,000-10,000,00030%
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 term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term4.0 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 usage30%
Average grace period0.2 months
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

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 and Legal Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min03,000
Fixed amount - max03,000
Reason for variationN/AMembership fee = UGX 1500; Legal fee = UGX 1500
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?Yes
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 interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
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 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 depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Small Enterprise Program samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
UGX 1,000,000 Generated 2015-01-01 11.9 months N/A UGX 260,260.27 54.5% 43.1% 2.6% 0.0% 0.0% 8.8% 46 - PDF
UGX 2,500,000 Generated 2015-01-01 11.9 months N/A UGX 646,150.68 54.1% 43.1% 2.3% 0.0% 0.0% 8.7% 46 - PDF
UGX 4,800,000 Generated 2015-01-01 11.9 months N/A UGX 1,237,849.32 54.0% 43.1% 2.1% 0.0% 0.0% 8.8% 46 - PDF
UGX 5,200,000 Generated 2015-01-01 11.9 months N/A UGX 1,340,753.43 53.9% 43.1% 2.1% 0.0% 0.0% 8.7% 46 - PDF
UGX 6,000,000 Generated 2015-01-01 11.9 months N/A UGX 1,546,561.64 53.9% 43.1% 2.1% 0.0% 0.0% 8.7% 46 - PDF
UGX 7,000,000 Generated 2015-01-01 11.9 months N/A UGX 1,803,821.92 53.9% 43.1% 2.1% 0.0% 0.0% 8.7% 46 - PDF
UGX 8,500,000 Generated 2015-01-01 11.9 months N/A UGX 2,189,712.33 53.9% 43.1% 2.1% 0.0% 0.0% 8.7% 46 - PDF
UGX 10,000,000 Generated 2015-01-01 11.9 months N/A UGX 2,575,602.74 53.9% 43.1% 2.1% 0.0% 0.0% 8.7% 46 - PDF

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 800GHS 1,500GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-052013-01-102013-02-072012-12-27
Loan Term (Months)3.7 months3.7 months3.7 months3.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 30GHS 80GHS 150GHS 300
True Price by Comp       
Interest price component59.4%59.4%59.4%59.4%
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 Component12.7%12.7%12.7%12.7%
Full APR (int fee ins tax dep)72.1%72.1%72.1%72.1%
Transparency Index42424242
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small Enterprise Program Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeBRAC-UGAInstitutionUG-002-V03-P03ProductUGCountry2014YearRange Number3Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 2,1001,6001,10050060Number of Borrowers
Click to view Price Analysis Tool
Business Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCASUDInstitutionGH-016-V02-P01ProductGHCountry2013YearRange Number2Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 1,10080050020030Number of Borrowers
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 ∞