2. BRAC-UGA
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Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2012-06-07
Data version: 2
Age of data: -   months 
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Product

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

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 6,245,857,925
Portfolio (USD)USD 2,473,607.10
Active Clients with Loans6,206
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans
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 training
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 productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
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 months60%
Between 7 and 9 months40%
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

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 1
DescriptionLoan Appraisal
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,500
Fixed amount - max1,500
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMembership Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,500
Fixed amount - max1,500
Reason for variationN/A
Appears on Repayment Sched?No
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
Additional Comments
The insurance fee is paid once a year

Full Pricing Data

Microfinance 6-Month Loan samples
Sample 1Sample 2Sample 3
Loan AmountUGX 300,000UGX 700,000UGX 1,400,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-04-042012-04-062012-04-13
Loan Term (Months)4.7 months4.7 months4.7 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditUGX 42,000UGX 94,000UGX 185,000
True Price by Comp     
Interest price component61.9%61.9%61.9%
Fee Component2.6%1.1%0.6%
Insurance Component2.6%1.1%0.5%
Tax Component0.0%0.0%0.0%
Deposit Component14.3%13.7%13.4%
Full APR (int fee ins tax dep)81.4%77.8%76.4%
Transparency Index313233
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microfinance 6-Month Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeBRAC-UGAInstitutionUG-002-V02-P02ProductUGCountry2012YearRange Number2Institution Data Version0500,0001,000,0001,500,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 3,1002,3001,50070080Number of Borrowers
Click to view Price Analysis Tool
Institution # Borrowers Portfolio (US$) Products Age of Data
Banco Solidario79,700221,716,0001175
CEPESIU2,000939,0004175
COAC 4 Octubre2,2005,771,0002175
COAC Ambato1,30016,415,0002175
COAC FondVida2,5004,200,0004175
COAC LaBenefica2,5008,482,0006175
COAC MCCH5,30010,020,0002175
COAC Nacional30,70027,129,0002175
COAC San José10,40029,133,0005175
COAC SanAntonio1,0002,384,0003175
COAC SantaAnita2,0002,532,0006175
Codesarrollo14,40040,328,0007175
Coop San Miguel1,8004,754,0005172
CooP VPR7001,052,0004175
Cooprogreso7,90032,244,0004175
Credi Fe100,900380,039,0004175
D^Miro36,90027,692,0009168
DECOF2,200705,0002175
Espoir62,10021,036,0005175
FODEMI28,20012,924,0003175
Fundacion Alternativa4,3005,545,0002175
FUNDAMIC2,0001,468,0002175
INSOTEC7,0006,047,0004175
Luz del Valle6,40011,300,0003175
ProCredit43,800211,941,0002175
PS Ambato5,6002,771,0001175
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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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