| Outstanding portfolio (UGX) | UGX 43,336,409,937 |
| Portfolio (USD) | USD 17,162,934.63 |
| Active Clients with Loans | 10,570 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | x |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 5 |
| # Regions for this product | 5 |
| Regions Active | Central, Eastern, Northern, Western, Southern |
| Currency | UGX |
| Minimum loan size | UGX 500,000 |
| Maximum loan size | 200,000,000 |
| Loans less than UGX 1,000,000 | 5% |
| UGX 1,000,000-5,000,000 | 20% |
| UGX 5,000,000-7,500,000 | 20% |
| UGX 7,500,000-10,000,000 | 15% |
| UGX 10,000,000-13,000,000 | 15% |
| Greater than UGX 13,000,000 | 15% |
| Shortest loan term | 3.0 months |
| Longest loan term | 36.0 months |
| Approx average | 12.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 20% |
| Between 13 and 18 months | 40% |
| Longer than 18 months | 20% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 2.00% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Set Up Commission Fee | Stamp Study | |
| % of loan amount - min | 3.00% | 0 | |
| % of loan amount - max | 3.00% | 0 | |
| OR, Fixed amount - min | 0 | 5,000 | |
| Fixed amount - max | 0 | 5,000 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Insurance Fee |
| % of loan amount - min | 0.50% |
| % of loan amount - max | 0.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
| UGX 1,000,000 | Generated | 2015-02-01 | 18.0 months | N/A | UGX 278,127.85 | 35.6% | 29.6% | 5.2% | 0.8% | 0.0% | 0.0% | 67 | - | |
| UGX 4,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | UGX 1,162,636.99 | 33.0% | 27.7% | 4.5% | 0.8% | 0.0% | 0.0% | 73 | - | |
| UGX 7,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | UGX 2,053,458.90 | 34.9% | 29.6% | 4.6% | 0.7% | 0.0% | 0.0% | 69 | - | |
| UGX 8,925,000 | Generated | 2015-02-01 | 12.1 months | N/A | UGX 1,772,272.26 | 37.0% | 29.6% | 6.3% | 1.1% | 0.0% | 0.0% | 65 | - | |
| UGX 10,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | UGX 3,039,531.96 | 36.9% | 31.6% | 4.5% | 0.8% | 0.0% | 0.0% | 65 | - | |
| UGX 12,075,000 | Generated | 2015-02-01 | 24.1 months | N/A | UGX 4,212,227.74 | 33.8% | 29.6% | 3.6% | 0.6% | 0.0% | 0.0% | 71 | - | |
| UGX 13,500,000 | Generated | 2015-02-01 | 18.0 months | N/A | UGX 3,692,226.03 | 34.9% | 29.6% | 4.5% | 0.8% | 0.0% | 0.0% | 69 | - | |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sahayata.co.in/ |
| Year established | 2007 |
| Head of Institution | Ajay Verma |
| Regions active | |
| # Branches | 105 |
| Total Portfolio (nat'l) | 0 |
| Total Portfolio (USD) | 0 |
| Active clients with loans | 0 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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