Number borrowers | 11,953 |
Loan Amount (range) | UGX 500,000 - 10,000,000 |
Loan Term (range) | 3 - 12 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins |
Annual Interest & Method | 68.8% annual, Decl Bal |
Fees | 1.00% upfront |
Insurance | None |
Tax | None |
Comp Dep | 10.0% upfront |
Range of pricing | |
Interest Price Component | 27.7% - 68.4% |
Fee Component | 2.2% - 12.5% |
Insurance Component | 0 - 1.1% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 82.7% - 87.1% |
Transparency Index (min/max) | 59 - 83 |
Transparency Index (average) | 81 |
Outstanding portfolio (UGX) | UGX 6,555,997,700 |
Portfolio (USD) | USD 2,596,434.73 |
Active Clients with Loans | 11,953 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | x |
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 | x |
Group meetings | x |
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 | 4 |
Regions Active | Central, Eastern, Northern, Western |
Outstanding portfolio (BOB) | BOB 68,051 |
Portfolio (USD) | USD 10,081.63 |
Active Clients with Loans | 5 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Vivienda |
Other (2) |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 6 |
# Regions for this product | N/A |
Regions Active |
Currency | UGX |
Minimum loan size | UGX 500,000 |
Maximum loan size | 10,000,000 |
Loans less than UGX 1,000,000 | 40% |
UGX 1,000,000-5,000,000 | 30% |
UGX 5,000,000-7,500,000 | 30% |
UGX 7,500,000-10,000,000 | 0 |
UGX 10,000,000-13,000,000 | 0 |
Greater than UGX 13,000,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 8.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 60% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 68.80% |
Highest quoted nominal interest | 68.80% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Application Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 3.00% |
Maximum interest rate paid | 3.00% |
Interest payment frequency | Monthly |
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 500,000 | Generated | 2015-02-01 | 8.7 months | N/A | UGX 133,646.58 | 87.1% | 68.4% | 3.2% | 0.0% | 0.0% | 15.5% | 79 | - | |
UGX 900,000 | Generated | 2015-02-01 | 9.0 months | N/A | UGX 267,612.60 | 83.4% | 67.0% | 2.7% | 0.0% | 0.0% | 13.7% | 83 | - | |
UGX 1,250,000 | Generated | 2015-02-01 | 8.7 months | N/A | UGX 334,116.44 | 87.1% | 68.4% | 3.2% | 0.0% | 0.0% | 15.5% | 79 | - | |
UGX 2,500,000 | Generated | 2015-02-01 | 12.1 months | N/A | UGX 959,611.87 | 82.7% | 67.0% | 2.2% | 0.0% | 0.0% | 13.5% | 83 | - | |
UGX 3,200,000 | Generated | 2015-02-01 | 11.7 months | N/A | UGX 1,129,784.11 | 86.0% | 68.4% | 2.5% | 0.0% | 0.0% | 15.1% | 80 | - | |
UGX 4,000,000 | Generated | 2015-02-01 | 11.7 months | N/A | UGX 1,412,230.14 | 86.0% | 68.4% | 2.5% | 0.0% | 0.0% | 15.1% | 80 | - | |
UGX 5,100,000 | Generated | 2015-02-01 | 12.1 months | N/A | UGX 1,957,608.22 | 82.7% | 67.0% | 2.2% | 0.0% | 0.0% | 13.5% | 83 | - | |
UGX 6,000,000 | Generated | 2015-02-01 | 12.1 months | N/A | UGX 2,303,068.49 | 82.7% | 67.0% | 2.2% | 0.0% | 0.0% | 13.5% | 83 | - |
Key Statistics | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
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