2. FINCA-UGA
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA Uganda Limited Plot 22 Ben Kiwanuka StreetKampalaPO Box 24450
Data approved: 2014-11-19
Data version: 3
Age of data: 119 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established1992
Head of InstitutionJulius Omoding
Regions activeCentral, Eastern, Northern, Western, Southern
# Branches27

Total Portfolio (nat'l)UGX 69,190,692,605
Total Portfolio (USD)USD 27,402,254.50
Active clients with loans56,372
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersFINCA International, SEEP, Gates Foundation

Loan Products » Summary

Business
10,570 Borrowers
USD 17,162,934.63 Portfolio
Active Product
Small Grp
11,953 Borrowers
USD 2,596,434.73 Portfolio
Active Product
Village Grp
31,375 Borrowers
USD 5,567,259.94 Portfolio
Active Product
Agric Ln
2,474 Borrowers
USD 2,075,625.19 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
FINCA Business Loan UGX 500,000 - 200,000,000 3 - 36 20% - 40% 80% - 100% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Ins
FINCA Small Group Loan UGX 500,000 - 10,000,000 3 - 12 20% - 40% 60% - 80% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Village Group Loan UGX 50,000 - 10,000,000 4 - 8 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Agriculture Loan UGX 100,000 - 60,000,000 3 - 36 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Individual farmers & farmers in cooperatives Loan guarantee up to 50% by agribusiness initiative

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
FINCA Business Loan 24.0%-36.0% annual, Decl Bal 2 Fees 1 Ins None N/A 32.2% - 36.1% 33% - 37% 68
FINCA Small Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 69.2% - 71.6% 82.7% - 87.1% 81
FINCA Village Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 1.00% ongoing 70% - 80.5% 84.2% - 97.9% 78
FINCA Agriculture Loan 42.0%-68.8% annual, Decl Bal 2 Fees 0 Ins None N/A 59.7% - 71.5% 59.7% - 71.5% 66
Institution Price Graph
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  2. VF Cambodia
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479
Data approved: 2013-04-04
Data version: 3
Age of data: 140 months
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Product

Small Business Loan - Individual - USD Product 14 of 21 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 7,384,240.16
Portfolio (USD)USD 7,384,240.16
Active Clients with Loans4,288
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Small Business Loan refers to any loan used for businesses or income generating activities that earn income on daily, weekly, fortnightly, or monthly basis e.g. greengrocer's, grocer's, Chinese noodle eatery, coffee shop, food shop, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution20
# Regions for this product20
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,001
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,0000
USD 1,000-1,50010%
USD 1,500-2,00030%
USD 2,000-2,50030%
Greater than USD 2,50030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term30.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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
Additional Comments
Financial education is part of our services to clients. Funeral benefits for clients, spouse, and children are also included as part of the insurance benefit, but we do not charge any additional fee/premium from them, other than interest on loan.

Full Pricing Data

Small Business Loan - Individual - USD samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,100USD 1,700USD 2,500USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-062013-02-202013-03-122013-02-14
Loan Term (Months)24.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.2 months-0.3 months0.0 months0.1 months
Total Cost of CreditUSD 348.40USD 396.24USD 574.86USD 681.24
True Price by Comp       
Interest price component30.8%22.7%22.0%21.5%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
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)30.8%22.7%22.0%21.5%
Transparency Index68939698
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small Business Loan - Individual - USD Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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