2. Opportunity
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Yehu
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 148 months
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Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 145 months
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  • No previous version for this product.

Product

School Fee Loan - Group Product 3 of 16 « Prev | Next »

Product

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Product Summary

Number borrowers4,863
Loan Amount (range)UGX 100,000 - 3,000,000
Loan Term (range)3 - 6
Other Services (text summary)Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method30.00% annual, Flat
Fees2 fees
Insurance1.10% upfront
TaxNone
Comp Dep15.00% upfront
Range of pricing 
Interest Price Component28.2% - 55.7%
Fee Component1.8% - 17.9%
Insurance Component0.8% - 5.2%
Tax Component Range0
Full APR (int fee ins tax dep)93.0% - 103.1%
Transparency Index (min/max)27 - 69
Transparency Index (average)30

Product Summary

157
KES 5,000 - 150,000
6 - 18
Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
21.0% annual, Flat
400.00-0.00 upfront
1.50% upfront
None
10.0%-15.0% upfront 100.00 ongoing
 
33.6% - 40.3%
0 - 10.6%
0 - 4.1%
0
51.3% - 81.5%
24 - 56
35

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 1,559,533,777
Portfolio (USD)USD 599,820.68
Active Clients with Loans4,863
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
School fee - Group is offered as a second loan with specific purpose of covering borrowers school fee. It is targeted at both women and men borrowers.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,382,653.16
Portfolio (USD)USD 40,853.30
Active Clients with Loans157
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for the purchase of iron sheets, gutters, roofing nails, and labor charges for roofing of houses for improved living conditions of clients.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherLeadership Training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCoast

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,000100%
UGX 1,000,000-5,000,0000
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 term3.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months80%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeLoan Application Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min05,000
Fixed amount - max010,000
Reason for variationN/A5,000 for loan up to 2M & 10,000 for loans over 2M
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.10%
% of loan amount - max1.10%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
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 forAll
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

School Fee Loan - Group samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 250,000UGX 300,000UGX 700,000UGX 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-142013-02-142013-03-192013-02-14
Loan Term (Months)5.8 months5.8 months5.8 months5.8 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditUGX 50,012UGX 59,000UGX 131,000UGX 185,000
True Price by Comp       
Interest price component55.7%55.1%55.1%55.1%
Fee Component16.7%15.0%11.1%10.2%
Insurance Component4.4%4.3%4.1%4.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component26.3%25.3%23.9%23.6%
Full APR (int fee ins tax dep)103.1%99.7%94.2%93.0%
Transparency Index29303232
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Mabati Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 30,000KES 50,000KES 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-032013-04-112013-04-102013-04-23
Loan Term (Months)12.0 months12.0 months12.0 months17.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,650KES 7,150KES 11,750KES 34,000
True Price by Comp       
Interest price component37.8%37.8%37.8%38.2%
Fee Component8.4%2.7%2.1%1.4%
Insurance Component3.2%3.2%3.1%2.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component32.1%18.3%10.4%9.4%
Full APR (int fee ins tax dep)81.5%62.0%53.4%51.3%
Transparency Index26343941
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
School Fee Loan - Group Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeEducationLoan PurposeOpportunityInstitutionUG-014-V02-P03ProductUGCountry2012YearRange Number2Institution Data Version0200,000400,000600,000800,0001,000,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 4,8003,6002,4001,200100Number of Borrowers
Click to view Price Analysis Tool
Mabati Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeHousingLoan PurposeYehuInstitutionKE-026-V02-P06ProductKECountry2013YearRange Number2Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 100709Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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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