2. Centenary Bank
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
  2. SVDP
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Centenary Rural Development Bank Mapeera House, Plot 44-46, Kampala RoadKampalaP.O.Box 1892
Data approved: 2013-01-24
Data version: 2
Age of data: 144 months
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Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 131 months

Product

Micro Business Loan Product 2 of 4 « Prev | Next »

Product

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Product Summary

Number borrowers55,071
Loan Amount (range)UGX 100,000 - 5,000,000
Loan Term (range)3 - 24
Other Services (text summary)Credit Ins
Annual Interest & Method29.00%-42.00% annual, Decl Bal
Fees2 fees
Insurance0.45% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.9% - 35.0%
Fee Component1.1% - 23.6%
Insurance Component0.4% - 2.0%
Tax Component Range0
Full APR (int fee ins tax dep)30.9% - 46.4%
Transparency Index (min/max)53 - 94
Transparency Index (average)77

Product Summary

1,065
PKR 20,000 - 30,000
6 - 11
Credit Ins, Tech Asst Visits
21.0%-24.0% annual, Flat
3.00% upfront
3.00% upfront
None
None
 
22.8% - 34.9%
3.0% - 6.0%
0 - 3.2%
0
29.0%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 76,020,881,939
Portfolio (USD)USD 29,238,801
Active Clients with Loans55,071
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short-term loan with regular repayments offered to Micro business entrepreneurs.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveCentral, Eastern, Northern, Western

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 30,000,000
Portfolio (USD)USD 306,122.45
Active Clients with Loans1,065
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan product is available for small farmers/poor communities for purchase of sacrificial animal and livestock management and its sale on the eve of Eid Ul Azha.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 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 ActivePunjab

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size5,000,000
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 term3.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
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 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00030%
PKR 25,000-50,00070%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term11.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months60%
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
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest42.00%
Reason(s) why interest rate variesTime as Client, Interest rates are 42% per annum for new borrowers, 34% p.a for 2nd time borrowers up to the 4th loan cycle and 29% p.a for loans above the forth cycle.
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionAcceptance CommissionStamp Duty
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min069,000
Fixed amount - max0510,000
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Protection Insurance
% of loan amount - min0.45%
% of loan amount - max0.45%
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?No

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAgreement Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLivestock Insurance Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited0
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 paid14.00%
Maximum interest rate paid14.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Micro Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 2,500,000UGX 4,000,000UGX 5,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-202013-03-202013-03-132013-04-17
Loan Term (Months)23.0 months13.0 months13.0 months24.0 months
Grace Period (Months)0.4 months0.4 months1.1 months0.0 months
Total Cost of CreditUGX 815,522UGX 1,162,755UGX 1,344,040UGX 5,425,000
True Price by Comp       
Interest price component27.6%21.9%35.0%29.1%
Fee Component2.7%23.6%3.7%2.3%
Insurance Component0.6%0.9%0.9%0.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.9%46.4%39.6%31.9%
Transparency Index94637391
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Livestock Fattening samples
Sample 1Sample 2Sample 3
Loan AmountPKR 20,000PKR 25,000PKR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-01-082014-01-022014-01-03
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditPKR 6,310PKR 7,888PKR 9,465
True Price by Comp     
Interest price component22.8%22.8%22.8%
Fee Component3.0%3.0%3.0%
Insurance Component3.2%3.2%3.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.0%29.0%29.0%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Micro Business Loan Price Graphs


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Livestock Fattening Price Graphs


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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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