2. BRAC-UGA
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ACB-SA
Please note that the information you are viewing is 149 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: 125 months
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Institution

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 149 months
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Product

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

Product

Hembwa Wage MT & LT Product 4 of 7 « 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

1,067
RWF 10,000 - 5,000,000
1 - 36
15.00% annual, Flat
2 fees
0.06%-10.45% upfront
18.00% fees
N/A
 
22.9% - 57.1%
2.1% - 24.7%
0 - 0.8%
0.5% - 4.7%
29.5% - 45.1%
16 - 53
44

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 (RWF)RWF 87,318,036
Portfolio (USD)USD 138,600
Active Clients with Loans1,067
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is reserved for salaried people mostly of the of the private sector. The term of the loan varyies between 1 & 36 months and the maximum amount is 10 times their salary.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
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 business
Must own a home or land
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 institution2
# Regions for this product5
Regions ActiveBugesera, Kicukiro, Nyarugenge, Rubavu, Rusizi

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
CurrencyRWF
Minimum loan sizeRWF 10,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,0000
RWF 500,000-1,500,0005%
RWF 1,500,000-2,500,00015%
RWF 2,500,000-3,500,00030%
RWF 3,500,000-4,500,00010%
Greater than RWF 4,500,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average19.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months10%
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months10%
Longer than 18 months20%
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

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeeLoan Application & Collateral Visit Fee
% of loan amount - min1.50%0
% of loan amount - max1.50%0
OR, Fixed amount - min015,000
Fixed amount - max015,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommission on Insurance
% of loan amount - min0.06%
% of loan amount - max10.45%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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?Yes
Percentage of fees18%
All or some fees taxedAll
Additional Comments
APR calculations have used insurance rates applicable to a 30 year old client.

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

Hembwa Wage MT & LT samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountRWF 250,000RWF 500,000RWF 1,000,000RWF 1,500,000RWF 3,064,540
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-04-162012-05-112012-04-252012-08-222012-05-02
Loan Term (Months)12.0 months24.0 months23.0 months28.0 months13.0 months
Grace Period (Months)1.0 month1.0 month1.3 months1.0 month1.0 month
Total Cost of CreditRWF 60,457.49RWF 179,894.70RWF 321,256.42RWF 579,284.13RWF 580,135.15
True Price by Comp         
Interest price component26.3%26.2%26.0%26.1%26.3%
Fee Component15.1%4.9%3.4%2.3%3.6%
Insurance Component0.6%0.6%0.7%0.6%0.5%
Tax Component3.1%1.0%0.7%0.5%0.8%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)45.1%32.7%30.8%29.5%31.2%
Transparency Index3346495148
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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
Hembwa Wage MT & LT Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeACB-SAInstitutionRW-001-V02-P04ProductRWCountry2012YearRange Number2Institution Data Version01,000,0002,000,0003,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 30010010Number 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
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