2. KACITA
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CRECER
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

KACITA Cooperative Finance Ltd Jjemba PlazaLuwum StreetKampala, Central30794
Data approved: 2012-10-27
Data version: 2
Age of data: 144 months
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Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 130 months
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Product

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Product

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Product Summary

Number borrowers200
Loan Amount (range)UGX 200,000 - 5,000,000
Loan Term (range)1 - 6
Other Services (text summary)Credit Educ, Tech Asst Visits
Annual Interest & Method36.00% annual, Flat
Fees2 fees
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component72.0% - 76.4%
Fee Component17.6% - 21.9%
Insurance Component2.9% - 5.1%
Tax Component Range0
Full APR (int fee ins tax dep)95.0% - 99.2%
Transparency Index (min/max)36 - 38
Transparency Index (average)37

Product Summary

18,879
BOB 700 - 70,000
3.03 - 87.8
Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
12.0%-24.0% annual, Decl Bal
None
None
None
N/A
 
16.3% - 36.0%
0
0
0
17.4% - 23.7%
51 - 101
62

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 200,000,000
Portfolio (USD)USD 80,000
Active Clients with Loans200
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The loan is given to any members in Kacita who want to boost or expand their business or clear their goods. The target is low income earners.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 320,459,842
Portfolio (USD)USD 47,475,532.15
Active Clients with Loans18,879
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para inversión y capital de operaciones, dirigido a clientes nuevos y a clientes con buen historial crediticio en Banca Comunal que tengan una actividad económica propia en el sector comercial, producción no agropecuaria y servicios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherCapacitación en temas de salud
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 200,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months70%
Between 7 and 9 months20%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 700
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00060%
BOB 40,000-70,00010%
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term87.8 months
Approx average32.2 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 months10%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10,000
Fixed amount - max10,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionLoan Monitoring 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?No
Upfront Insurance Fees
Ins 1
DescriptionInsurance 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?No
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

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
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

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 1,000,000UGX 4,000,000UGX 4,000,000UGX 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-06-152012-08-132012-08-022012-07-04
Loan Term (Months)4.1 months4.1 months4.1 months8.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 220,000UGX 850,000UGX 850,000UGX 2,060,000
True Price by Comp       
Interest price component72.2%72.0%72.0%76.4%
Fee Component21.9%18.0%18.0%17.6%
Insurance Component5.1%5.0%5.0%2.9%
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)99.2%95.0%95.0%96.9%
Transparency Index36383837
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credito Individual - BOB samples
Sample 1Sample 2Sample 3
Loan AmountBOB 9,000BOB 25,000BOB 35,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-062013-12-052014-04-01
Loan Term (Months)15.0 months24.0 months37.0 months
Grace Period (Months)0.0 months0.1 months0.0 months
Total Cost of CreditBOB 1,107.30BOB 4,555.95BOB 12,950
True Price by Comp     
Interest price component18.3%17.4%23.7%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.3%17.4%23.7%
Transparency Index666951
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Business Loan Price Graphs


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Credito Individual - BOB Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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