2. EBO SACCO
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

Institution

Ebirungi Birugomutuutu Savings & Credit Co-operative Society Ltd BwizibweraKashaariMbarara, Western-UgandaPO Box 384 MBA
Data approved: 2012-07-02
Data version: 2
Age of data: 144 months
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Product

Agricultural Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 2,569,365,740
Portfolio (USD)USD 1,027,746
Active Clients with Loans2,540
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
Loan amount depends on capacity. Includes training on loan management. Ability to repay considers all sources of income. Cattle fattening and crop farming fall under this loan category.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 ActiveWestern

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size15,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00015%
UGX 1,000,000-5,000,00015%
UGX 5,000,000-7,500,00020%
UGX 7,500,000-10,000,00020%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Commitment Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Protection Fund
% of loan amount - min1.00%
% of loan amount - max1.00%
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 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 depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 700,000UGX 1,600,000UGX 3,000,000UGX 5,800,000UGX 9,000,000UGX 10,000,000
Loan Cycle (1, 2, 3, etc)3821288
Disbursement Date2012-07-202012-08-022012-07-212012-07-122012-07-032012-07-04
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.1 months1.0 month1.1 months1.0 month1.0 month
Total Cost of CreditUGX 157,500UGX 360,000UGX 675,000UGX 1,305,000UGX 2,025,000UGX 2,250,000
True Price by Comp           
Interest price component35.3%35.4%35.3%35.3%35.3%35.3%
Fee Component4.2%4.1%4.1%4.1%4.1%4.2%
Insurance Component2.1%2.2%2.1%2.1%2.2%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component8.6%8.6%8.7%8.7%8.6%8.6%
Full APR (int fee ins tax dep)50.2%50.3%50.2%50.2%50.2%50.2%
Transparency Index727272727272
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Agricultural Loan Price Graphs


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  2. PRSP
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

Punjab Rural Support Programme 33-Civic Centre, Mustafa TownLahore, Punjab
Data approved: 2013-09-05
Data version: 1
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.prsp,org.pk
Year established1997
Head of InstitutionAllah Rakha Assi
Regions activePunjab
# Branches60

Total Portfolio (nat'l)PKR 903,792,770
Total Portfolio (USD)USD 9,222,375.20
Active clients with loans72,789
Approximate % female clients40% - 60%
Approximate % urban clients0
Network affiliationsPakistan Microfinance Network, RSPN, HRDN
FundersPakistan Poverty Alleviation Fund, Punjab Government, RSPN

Loan Products » Summary

Agriculture
10,667 Borrowers
USD 1,554,055.52 Portfolio
Active Product
Enterprise
30,205 Borrowers
USD 3,196,102.20 Portfolio
Active Product
Livestock
31,917 Borrowers
USD 4,464,027.75 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Agriculture Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Enterprise Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Business Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Livestock Loan PKR 15,000 - 40,000 6 - 18 40% - 60% 0% Other, Fattening/Breeding of Sheep, Goat, and other milk animals. Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 22.5% - 23.9% 22.5% - 23.9% N/A
Enterprise Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 23.7% - 24.7% 23.7% - 24.7% N/A
Livestock Loan 20.0% annual, Decl Bal 2 Fees 0 Ins None N/A 21.8% - 23.7% 21.8% - 23.7% N/A
Institution Price Graph
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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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