2. Opportunity
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. KREDIT
Please note that the information you are viewing is 139 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: 144 months
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Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 139 months
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Product

Agriculture Loan - Group Product 5 of 16 « Prev | Next »

Product

ID-AGR-USD Product 2 of 9 « Prev | Next »

Product Summary

Number borrowers1,298
Loan Amount (range)UGX 100,000 - 15,000,000
Loan Term (range)3 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method27.00%-30.00% 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)39.0% - 86.6%
Transparency Index (min/max)27 - 69
Transparency Index (average)50

Product Summary

2,624
USD 100 - 5,000
4 - 12
21.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.7% - 36.1%
0 - 0.8%
0
0
22.9% - 31.8%
65 - 107
74

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 3,079,582,537
Portfolio (USD)USD 1,184,454.82
Active Clients with Loans1,298
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Agriculture Loan - Group is designed specifically for financing agricultural production and value chain activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 (USD)USD 4,637,246.14
Portfolio (USD)USD 4,637,246.14
Active Clients with Loans2,624
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ID-AGR-USD product is an option for client who invest or develop their agriculture activities by using that loan.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution12
# Regions for this product12
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size15,000,000
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 term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than USD 2505%
USD 250-1,00020%
USD 1,000-1,50020%
USD 1,500-2,00020%
USD 2,000-2,50015%
Greater than USD 2,50015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesLoan Size
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/A5000 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 interest1.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
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

Agriculture Loan - Group samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 500,000UGX 750,000UGX 2,000,000UGX 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-182013-03-192013-06-282013-04-03
Loan Term (Months)4.0 months7.0 months8.0 months16.0 months
Grace Period (Months)0.0 months6.0 months8.2 months15.6 months
Total Cost of CreditUGX 69,500UGX 160,250UGX 604,538UGX 2,650,000
True Price by Comp       
Interest price component46.4%28.2%35.6%31.5%
Fee Component15.2%4.7%3.4%1.8%
Insurance Component5.2%1.8%1.5%0.8%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component19.8%5.7%6.4%4.9%
Full APR (int fee ins tax dep)86.6%40.4%46.9%39.0%
Transparency Index31675869
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

ID-AGR-USD samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 150USD 300USD 600USD 1,300USD 1,800USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-02-282013-02-212013-03-072013-02-182013-03-27
Loan Term (Months)12.0 months12.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)11.1 months11.3 months11.1 months9.4 months11.2 months11.3 months
Total Cost of CreditUSD 47.19USD 95.68USD 191.24USD 340.99USD 441USD 702.20
True Price by Comp           
Interest price component31.2%31.2%31.2%30.0%24.1%22.8%
Fee Component0.0%0.0%0.6%0.3%0.2%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.2%31.2%31.8%30.3%24.3%22.9%
Transparency Index676766698692
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Agriculture Loan - Group Price Graphs


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ID-AGR-USD 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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