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. Chamroeun
Please note that the information you are viewing is 119 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

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia
Data approved: 2015-01-06
Data version: 4
Age of data: 119 months
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Product

Education Loan Product 11 of 16 « Prev | Next »

Product

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Product Summary

Number borrowers95
Loan Amount (range)UGX 500,000 - 625,000,000
Loan Term (range)4 - 60
Other Services (text summary)Credit Educ, Credit Ins
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)44.8% - 46.8%
Transparency Index (min/max)27 - 69
Transparency Index (average)52

Product Summary

12,376
KHR 100,000 - 1,000,000
3 - 12
Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
39.0% annual, Decl Bal
4,000.00-20,000.00 upfront
None
None
N/A
 
38.4% - 42.4%
3.1% - 15.4%
0
0
42.7% - 53.8%
73 - 94
86

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 4,131,125,941
Portfolio (USD)USD 1,588,894.59
Active Clients with Loans95
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Education finance loan is offered to either Individuals, Schools or Companies. It is designed to cover expenses related to education.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
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
OtherSchools & Companies are also eligible.
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 (KHR)KHR 12,385,248,900
Portfolio (USD)USD 3,135,506.05
Active Clients with Loans12,376
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Product for small vendors that leave from their homeland to rent houses in the cities to do business in markets. Client are required to pay processing fee (amount 2,000 KHR) and compulsory saving in which paid by installment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial training ( health, nutrition, domestic violence, waste management)
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 institution15
# Regions for this product15
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo

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 term4.0 months
Longest loan term60.0 months
Approx average36.0 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 months10%
Longer than 18 months60%
Grace Period
Grace period usage10%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
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
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
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 interest3.25%
Highest quoted nominal interest3.25%
Interest rate periodMonthly
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 - min4,000
Fixed amount - max20,000
Reason for variationLoans <400,000 Pay KHR 4000. Loans > 400,000 = 2% of the loan.
Appears on Repayment Sched?Yes
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
Additional Comments
Client is allowed to reloan when they have paid installment for 1/3 of loan term.

Full Pricing Data

Education Loan samples
Sample 3Sample 4Sample 5
Loan AmountUGX 5,000,000UGX 5,000,000UGX 9,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-06-142012-12-132012-09-10
Loan Term (Months)12.0 months12.0 months16.0 months
Grace Period (Months)1.0 month1.0 month1.1 months
Total Cost of CreditUGX 1,703,367UGX 1,630,971UGX 3,814,628
True Price by Comp     
Interest price component41.3%39.4%41.1%
Fee Component3.9%3.8%2.9%
Insurance Component1.6%1.6%1.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)46.8%44.8%45.3%
Transparency Index515453
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Developing Loan 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
KHR 100,000 Generated 2015-01-01 5.9 months N/A KHR 14,969.86 53.8% 38.4% 15.4% 0.0% 0.0% 0.0% 73 - PDF
KHR 115,000 Generated 2015-01-01 5.9 months N/A KHR 16,615.34 51.7% 38.4% 13.3% 0.0% 0.0% 0.0% 75 - PDF
KHR 540,000 Generated 2015-01-01 8.9 months N/A KHR 96,258.08 43.8% 38.4% 5.4% 0.0% 0.0% 0.0% 89 - PDF
KHR 621,000 Generated 2015-01-01 8.9 months N/A KHR 110,696.79 43.8% 38.4% 5.4% 0.0% 0.0% 0.0% 89 - PDF
KHR 680,000 Generated 2015-01-01 11.9 months N/A KHR 154,373.97 42.7% 38.4% 4.3% 0.0% 0.0% 0.0% 91 - PDF
KHR 720,000 Generated 2015-01-01 11.9 months N/A KHR 163,454.79 42.7% 38.4% 4.3% 0.0% 0.0% 0.0% 91 - PDF
KHR 828,000 Generated 2015-01-01 11.9 months N/A KHR 187,973.01 42.7% 38.4% 4.3% 0.0% 0.0% 0.0% 91 - PDF
KHR 1,000,000 Generated 2015-01-01 11.9 months N/A KHR 227,020.55 42.7% 38.4% 4.3% 0.0% 0.0% 0.0% 91 - PDF
Education Loan 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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