Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.habitat.org/ |
Year established | 1982 |
Head of Institution | Patrick Sambaga |
Regions active | Central |
# Branches | 1 |
Total Portfolio (nat'l) | UGX 663,768,900 |
Total Portfolio (USD) | USD 265,507.56 |
Active clients with loans | 858 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMFIU, Habitat for Humanity International |
Funders | CITI Foundation, Habitat for Humanity International, MF Opportunities |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | UGX 100,000 - 3,000,000 | 4 - 24 | 60% - 80% | 0% - 20% | Housing | Women, Men, Have business, Have home or land, Salaried worker, Must be between 18-65 years in age | Credit Educ, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | 24.00%-60.00% annual, Flat | 2 Fees | 1 Ins | None | N/A | 45.6% - 55.5% | 47.7% - 58.5% | 47 |
Outstanding portfolio (BOB) | BOB 53,371,048 |
Portfolio (USD) | USD 7,906,821.93 |
Active Clients with Loans | 25,920 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | x |
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 | |
Other | |
Other (2) |
# Regions for this institution | 9 |
# Regions for this product | 9 |
Regions Active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 500 |
Maximum loan size | 3,000 |
Loans less than BOB 10,000 | 100% |
BOB 10,000-40,000 | 0 |
BOB 40,000-70,000 | 0 |
BOB 70,000-100,000 | 0 |
BOB 100,000-125,000 | 0 |
Greater than BOB 125,000 | 0 |
Shortest loan term | 0.7 months |
Longest loan term | 16.9 months |
Approx average | 5.7 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 60% |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 32.14% |
Highest quoted nominal interest | 32.14% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
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 |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | BOB 700 | BOB 800 | BOB 800 | BOB 2,000 | BOB 2,000 | BOB 2,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-12-05 | 2013-12-05 | 2013-12-05 | 2013-12-05 | 2013-12-05 | 2013-12-05 | |||||
Loan Term (Months) | 5.0 months | 8.0 months | 11.0 months | 5.0 months | 8.0 months | 11.0 months | |||||
Grace Period (Months) | 0.1 months | 0.1 months | 0.1 months | 0.1 months | 0.1 months | 0.1 months | |||||
Total Cost of Credit | BOB 58 | BOB 99.45 | BOB 132.71 | BOB 165.70 | BOB 248.64 | BOB 331.79 | |||||
True Price by Comp | |||||||||||
Interest price component | 32.6% | 32.6% | 32.7% | 32.6% | 32.6% | 32.7% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 32.6% | 32.6% | 32.7% | 32.6% | 32.6% | 32.7% | |||||
Transparency Index | 99 | 98 | 98 | 99 | 98 | 98 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
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% Products with compulsory deposits |
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