2. BRAC-UGA
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Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 125 months
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Product

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

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

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

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

Full Pricing Data

Small Enterprise Program 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 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
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
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001144
AMPL000144
Arman41,500529,107,0001144
Arohan43,5008,091,0002144
ASA INDIA164,00015,380,0001144
Asirvad113,50019,328,0001144
Asmitha1,114,800217,867,0001144
Bandhan4,048,600674,564,0005144
Belstar123,00023,945,0002123
BSFL275,20031,590,0003144
Chaitanya20,7003,748,0003144
Disha Microfin69,00014,332,0002144
Equitas1,220,000186,415,0004144
ESAF354,20043,500,0005144
FFSL150,60035,719,0002144
Fusion66,8009,820,0002144
Grama Vidiyal738,200102,101,0001144
Grameen Koota586,60083,555,00015146
Janalakshmi506,000119,077,0002144
L & T Finance399,80037,199,0001144
MFL331,80049,083,0001144
MMFL175,00023,752,0002144
Mpower13,6002,263,0002144
Sahayata000144
Saija24,7004,682,0002144
Samasta45,5004,809,0002144
Satin405,60090,174,0002144
SCCI115,60015,910,0002144
Share2,195,400376,727,0001144
SKS3,409,000355,029,0002144
SMILE360,20056,927,0001144
SNFL9,4001,779,0001144
Sonata Finance158,20022,724,0003146
Spandana533,400147,240,0002144
Suryoday78,60014,713,0003144
SVCL118,20018,886,0001144
Swadhaar92,80017,166,0003144
Trident68,7008,852,0001144
Ujjivan913,300160,848,0005144
Utkarsh168,60025,915,0003144
VFS175,40019,264,0002144
Asomi50,3004,743,0002177
AES India3,600286,0001177
Arth2,900611,0002177
Asomi50,3004,743,0002177
Barasat GS1,10099,508.021177
BJS6,000468,0001177
Cashpor417,00050,452,0001176
Credible10,0001,669,540.362177
DIBAKAR1,800145,0001176
GOF65,2005,388,0004176
Hope62,6004,407,0001174
Jaago2,700237,0001175
LOK4,900573,0001176
Nano25,6003,660,0002177
NBSAAVS28,1002,821,0001174
Nirantara8,200917,0002176
Parama7,100482,0001176
Pragathi26,2004,579,0006176
PWMACS36,5005,946,0001176
Saadhana90,90012,046,0002176
Sambhav1,500183,0003176
Seba Rahara6,700468,0001176
SU61,1005,498,0001176
Swayanshree7,900918,0002176
Vikas Samiti1,600168,0001176
Vistaar4,3001,157,0002174
We The People1,100244,0002176
WEMCS1,10085,0001176
Yukti1,10099,0002176
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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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