| Outstanding portfolio (UGX) | UGX 609,321,921 |
| Portfolio (USD) | USD 243,729 |
| Active Clients with Loans | 1,890 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | x |
| Other training | |
| 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 | 3 |
| # Regions for this product | 3 |
| Regions Active | Central, Eastern, Northern |
| Currency | UGX |
| Minimum loan size | UGX 50,000 |
| Maximum loan size | 2,000,000 |
| Loans less than UGX 1,000,000 | 50% |
| UGX 1,000,000-5,000,000 | 50% |
| UGX 5,000,000-7,500,000 | 0 |
| UGX 7,500,000-10,000,000 | 0 |
| UGX 10,000,000-13,000,000 | 0 |
| Greater than UGX 13,000,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 30% |
| Between 7 and 9 months | 40% |
| Between 10 and 12 months | 30% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Administration 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 |
| Ins 1 | |
|---|---|
| Description | Credit Life Insurance |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 15.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | UGX 700,000 | UGX 1,500,000 | UGX 1,500,000 | ||
| Loan Cycle (1, 2, 3, etc) | 3 | 5 | 5 | ||
| Disbursement Date | 2012-06-27 | 2012-06-14 | 2012-06-14 | ||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | ||
| Grace Period (Months) | 1.0 month | 1.1 months | 1.1 months | ||
| Total Cost of Credit | UGX 147,000 | UGX 315,000 | UGX 315,000 | ||
| True Price by Comp | |||||
| Interest price component | 57.6% | 57.5% | 57.5% | ||
| Fee Component | 7.2% | 7.1% | 7.1% | ||
| Insurance Component | 3.6% | 3.7% | 3.7% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 20.7% | 20.6% | 20.6% | ||
| Full APR (int fee ins tax dep) | 89.1% | 88.9% | 88.9% | ||
| Transparency Index | 40 | 41 | 41 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 160 |
| AJDFI | 13,100 | 884,000 | 6 | 160 |
| ARDCI | 44,600 | 9,403,000 | 1 | 160 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 160 |
| ASHI | 35,400 | 5,231,000 | 6 | 160 |
| ASKI | 60,000 | 15,247,000 | 4 | 160 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 160 |
| BSEI | 600 | 73,000 | 2 | 160 |
| CBI | 8,100 | 2,010,000 | 5 | 160 |
| CCT | 70,300 | 9,504,000 | 4 | 160 |
| CEV | 35,400 | 5,111,000 | 4 | 160 |
| DSPI | 59,300 | 3,676,000 | 3 | 160 |
| ECLOF | 5,400 | 1,836,000 | 4 | 160 |
| FCB | 12,000 | 2,392,000 | 2 | 160 |
| FMB | 2,700 | 710,000 | 2 | 160 |
| GM Bank | 23,500 | 1,553,000 | 3 | 160 |
| HSPFI | 19,100 | 1,899,000 | 2 | 160 |
| JVOFI | 1,300 | 281,000 | 1 | 160 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 160 |
| KDCI | 20,500 | 2,095,000 | 3 | 160 |
| KGI | 32,300 | 3,421,000 | 4 | 160 |
| KMBI | 245,000 | 15,098,000 | 1 | 160 |
| LTMPC | 37,400 | 8,935,000 | 3 | 160 |
| Mallig Plains | 6,500 | 641,000 | 2 | 160 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 160 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 159 |
| NWTF | 105,500 | 12,698,000 | 5 | 160 |
| OFMPC | 4,400 | 964,000 | 1 | 160 |
| PBC | 50,700 | 10,434,000 | 4 | 160 |
| PCSD | 700 | 167,000 | 1 | 160 |
| PMPC | 23,500 | 5,565,000 | 8 | 160 |
| RB Angeles | 900 | 1,502,000 | 2 | 160 |
| RB Labason | 500 | 289,000 | 1 | 160 |
| RBLI | 5,200 | 1,026,000 | 2 | 160 |
| RBMI | 11,900 | 1,750,000 | 2 | 160 |
| RMB | 100 | 173,000 | 1 | 160 |
| RSPI | 39,600 | 2,834,000 | 4 | 160 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 160 |
| Salve | 10,900 | 1,191,000 | 3 | 160 |
| SEDP | 27,000 | 3,914,000 | 3 | 160 |
| TSKI | 212,900 | 25,187,000 | 2 | 160 |
| TSPI | 264,500 | 31,290,000 | 7 | 160 |
| Valient | 1,700 | 672,000 | 2 | 160 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
