Five Talents Uganda - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Five Talents Uganda Plot 351 C, Balintuma RoadNamirembeKampala, CentralPO Box 34653

Data approved: 2012-09-19

Data version: 2

Age of data: 146 months

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Institution Details

Institution Type	Other
Is this institution regulated?	Yes
Website address	http://www.fivetalents.urg.uk
Year established	2006
Head of Institution	Esther Nakamatte Mbaziira
Regions active	Central, Northern, Western
# Branches	4

Total Portfolio (nat'l)	UGX 920,143,726
Total Portfolio (USD)	USD 368,057.49
Active clients with loans	5,365
Approximate % female clients	60% - 80%
Approximate % urban clients	20% - 40%
Network affiliations	AMFIU, Five Talents International
Funders	Five Talents International, Microfinance Support Centre

Loan Products » Summary

Group

5,024 Borrowers

USD 274,650 Portfolio

Active Product

Idv Business

341 Borrowers

USD 93,407 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Group Loans		UGX 250,000 - 1,000,000		3 - 9		40% - 60%		0% - 20%		Business		Women, Men, Have business		Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training
Individual Business Loans		UGX 500,000 - 5,000,000		3 - 12		60% - 80%		40% - 60%		Business		Women, Men, Have business		Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Group Loans		36.00% annual, Flat		1 Fee		1 Ins		None		25.00% upfront		64.8% - 65.3%		111% - 111.5%		32
Individual Business Loans		36.00% annual, Flat		1 Fee		1 Ins		None		15.00% upfront		64.4% - 65.1%		89.2% - 90.9%		40

Institution Price Graph

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Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sambhav Social Service Organization Lincoln House, 19 New Vivekanand ColonyBalwant Nagar Ext. Gandhi RaodGwalior, M.P474002

Data approved: 2010-10-25

Data version: 1

Age of data: 172 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (INR)	INR 2,937,000
Portfolio (USD)	USD 55,415.09
Active Clients with Loans	298
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group	x
Other

Description

This loan is provided for purchasing cow, buffalow and goat.

Loan Purpose

Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	Livestock Purchase
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other	She should have experince of keeping Buffalow , cow and goat.
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	2
# Regions for this product	2
Regions Active	Madhya Pradesh, Uttar Pradesh

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 5,000
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly	x
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.50%
Highest quoted nominal interest	1.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	50
Fixed amount - max	200
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Some
Criteria	If loan amount is greater than 5000 Rs than security deposit is compulsary.
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Final Pmt

Interest Paid on Deposit

Minimum interest rate paid	3.50%
Maximum interest rate paid	3.50%
Interest payment frequency	Annually

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Live Stock samples

	Sample 1	Sample 2	Sample 3
Loan Amount	INR 5,000	INR 10,000	INR 20,000
Loan Cycle (1, 2, 3, etc)	1	1	3
Disbursement Date	2010-05-21	2010-06-18	2010-05-07
Loan Term (Months)	12.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	18.7%	34.8%	33.5%
Insurance Component	3.8%	2.0%	1.9%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	6.8%	6.5%
Full APR (int fee ins tax dep)	22.5%	43.6%	41.9%
MFIN MFI Earning (Annualised)	18.7%	34.8%	33.5%
MFIN Cost to Borrower (Annualised)	22.5%	43.6%	41.9%
Transparency Index	80	41	43
MFIN Transparency Index	N/A	N/A	N/A

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

* The APR stated here is an MFTransparency term, definition and formula

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

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Total Borrowers of Samples

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