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. KBL
Please note that the information you are viewing is 113 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

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 113 months
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Product

Asset Financing Loan Product 9 of 16 « Prev | Next »

Product

Khushhali Cash Sahulat Gold-Bullet Product 3 of 16 « Prev | Next »

Product Summary

Number borrowers342
Loan Amount (range)UGX 500,000 - 625,000,000
Loan Term (range)6 - 60
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method24.00% annual, Decl Bal
Fees3 fees
Insurance1.10% upfront
TaxNone
Comp DepN/A
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)44.9% - 56.4%
Transparency Index (min/max)27 - 69
Transparency Index (average)47

Product Summary

37,616
PKR 25,000 - 150,000
3 - 12
Credit Ins
28.0% annual, Decl Bal
1,000.00-2,000.00 upfront
None
16.00% fees
N/A
 
22.4% - 30.6%
1.0% - 13.7%
0
0.1% - 2.3%
26.5% - 31.9%
67 - 100
97

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 2,862,426,020
Portfolio (USD)USD 1,100,933.09
Active Clients with Loans342
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Asset financing loan is an individual loan targated at both men and women borrowers. The loan can be used to finance any purpose depending on the borrower's choice.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
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 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 (PKR)PKR 2,534,889,867
Portfolio (USD)USD 24,892,618.49
Active Clients with Loans37,616
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Khushhali Cash Sahulat Gold - Bullet
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 insurancex
Workplace visits
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size625,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00010%
UGX 1,000,000-5,000,00010%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 25,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00030%
PKR 50,000-75,00040%
PKR 75,000-150,00030%
Greater than PKR 150,00030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months20%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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 - min020,000
Fixed amount - max050,000
Reason for variationN/A20,000 for loans up to 50M & 50,000 for loans over 50M
Appears on Repayment Sched?NoNo
Ongoing Fees
Fee 1
DescriptionMonitoring Fee
% of loan amount - min0.50%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% for loans up to 50M & 0.5% for loans over 50M
Appears on Repayment Sched?No
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 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 interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max2,000
Reason for variationLoan <PKR 50,000= 1000, > 50,000 and <100,000 = 1500, >100,000 = 2000
Appears on Repayment Sched?No
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Asset Financing Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 800,000UGX 1,500,000UGX 3,100,000UGX 5,000,000UGX 8,500,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-042012-12-292012-10-302012-09-122012-09-142012-12-20
Loan Term (Months)7.0 months12.0 months14.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.6 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUGX 156,810UGX 450,212UGX 1,033,666UGX 1,515,093UGX 3,663,323UGX 7,888,208
True Price by Comp           
Interest price component35.3%41.6%41.6%43.3%43.3%41.3%
Fee Component17.9%9.1%6.7%7.2%4.7%2.4%
Insurance Component3.2%2.1%1.8%2.1%1.4%1.2%
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)56.4%52.8%50.1%52.6%49.4%44.9%
Transparency Index434548464953
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Khushhali Cash Sahulat Gold-Bullet samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Generated 2015-06-01 8.9 months N/A PKR 6,338.08 31.9% 25.5% 5.5% 0.0% 0.9% 0.0% 88 - PDF
PKR 30,000 Generated 2015-06-01 8.9 months N/A PKR 7,373.70 30.8% 25.5% 4.5% 0.0% 0.8% 0.0% 91 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 14,968.22 27.1% 24.7% 2.1% 0.0% 0.3% 0.0% 100 - PDF
PKR 55,000 Generated 2015-06-01 11.8 months N/A PKR 16,929.04 28.0% 24.7% 2.8% 0.0% 0.5% 0.0% 100 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 19,690.68 27.5% 24.7% 2.4% 0.0% 0.4% 0.0% 100 - PDF
PKR 70,000 Generated 2015-06-01 11.8 months N/A PKR 21,071.51 27.3% 24.7% 2.2% 0.0% 0.4% 0.0% 100 - PDF
PKR 75,000 Generated 2015-06-01 11.8 months N/A PKR 22,452.33 27.1% 24.7% 2.1% 0.0% 0.3% 0.0% 100 - PDF
PKR 100,000 Generated 2015-06-01 11.8 months N/A PKR 29,356.44 26.5% 24.7% 1.6% 0.0% 0.2% 0.0% 100 - PDF
Asset Financing Loan Price Graphs


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Khushhali Cash Sahulat Gold-Bullet 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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