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

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
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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
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
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
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  2. SEDP
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Simbag sa Pag-Asenso, Inc. 3/F SAC Building, Cathedral CompoundAlbay DistrictLegazpi City4500
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.simbag.org/
Year established1994
Head of InstitutionRemegia L. Balucio
Regions active
# Branches18

Total Portfolio (nat'l)PhP 205,575,411
Total Portfolio (USD)USD 4,918,072.03
Active clients with loans26,942
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsPeople's Credit and Fiannce Corporation
FundersManos Unidas

Loan Products » Summary

Balay
4,828 Borrowers
USD 505,519.88 Portfolio
Active Product
Productive
21,517 Borrowers
USD 3,358,047.61 Portfolio
Active Product
Sagip
722 Borrowers
USD 50,541.96 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Balay Asenso PHP 1,000 - 20,000 5 - 10 80% - 100% 20% - 40% Housing Women, Men, Have business, Have home or land, Member for > 6 months, At least on the 2nd cycle of regular loan Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Productive Loan PHP 1,000 - 150,000 2 - 10 80% - 100% 20% - 40% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Advocacy & scholarship program; Social Services, Spiritual & Formation Activities, Enterprise Development & Services, Calamity Relief Assistance
Sagip Asenso PHP 1,000 - 10,000 5 80% - 100% 20% - 40% Business Women, Men, Have business, Member for > 6 months, At least on the 2nd cycle of regular loan Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Balay Asenso 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 57.4% - 71.3% 69.8% - 94.1% 29
Productive Loan 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 57.4% - 67.6% 75.4% - 163.5% 25
Sagip Asenso 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 64.1% - 72.7% 82.2% - 96% 28
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessHousingLoan PurposeSEDPInstitutionPH-044-V01-P01PH-044-V01-P02PH-044-V01-P03ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 4,3003,2002,1001,000100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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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