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. Samasta
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

Samasta Microfinance Limited 4th Cross, 414/5Wilson Garden,Bangalore, KarnatakaPO Box 560027
Data approved: 2013-01-21
Data version: 2
Age of data: 140 months
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Product

Dairy Cow Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 13,011,983
Portfolio (USD)USD 245,509.11
Active Clients with Loans801
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is targeted at borrwers who are owners of at least one dairy cow and needs fund to buy additional cows.
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 visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
OtherMust be supplying milk to procurers (Cooperatives or private)
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveKarnataka

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 24,999
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,0000
INR 15,000-25,000100%
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term24.0 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 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest27.50%
Reason(s) why interest rate variesLoan Size, Loan Tenure
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing 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?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fees
% of loan amount - min0.58%
% of loan amount - max0.58%
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 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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Full Pricing Data

Dairy Cow Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 25,000INR 25,000INR 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-302013-03-282013-03-28
Loan Term (Months)25.0 months25.0 months25.0 months
Grace Period (Months)0.5 months0.6 months0.4 months
Total Cost of CreditINR 8,518.38INR 8,518.38INR 8,518.38
True Price by Comp     
Interest price component27.2%27.0%27.0%
Fee Component1.0%1.1%1.0%
Insurance Component0.7%0.6%0.7%
Tax Component0.1%0.2%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.0%28.9%28.8%
MFIN MFI Earning (Annualised)28.2%28.1%28.0%
MFIN Cost to Borrower (Annualised)29.0%28.9%28.8%
Transparency Index909090
MFIN Transparency Index99100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Dairy Cow Loan Price Graphs


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