Opportunity Uganda Ltd - Solar Loan - Group - MFTransparency.org Truth In Lending Tables

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

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

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia

Data approved: 2013-03-21

Data version: 3

Age of data: 139 months

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Product

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Product

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Product Summary

493
THB 8,000 - 200,000
3 - 12

30.0%-42.0% annual, Decl Bal
5.97-92.00 upfront
None
None
N/A

21.7% - 37.1%
0 - 1.6%
0
0
33.0% - 36.5%
68 - 99
87

Product Details

This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products

Key Statistics

Outstanding portfolio (UGX)	UGX 13,789,646
Portfolio (USD)	USD 5,303.71
Active Clients with Loans	9
Approximate % Female Clients
Approximate % Urban Clients

Description

Loans given for the purpose of acquiring Solar lighting

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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 institution	3
# Regions for this product	N/A
Regions Active

Product Details

Key Statistics

Outstanding portfolio (THB)	THB 21,247,728
Portfolio (USD)	USD 720,261.97
Active Clients with Loans	493
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Allows the borrower to use loan in their animal raising, storage, fishing, farming and/or agri-businesses activities. Payments can be either Balloon or Semi - Balloon .

Loan Purpose

Any purpose
Income generation	x
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 services	x

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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 institution	13
# Regions for this product	3
Regions Active	Banteay Meanchey, Battambang, Oddar Meancheay

Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 8,000
Maximum loan size	200,000

Distribution at Disbursement (Est.)

Loans less than THB 10,000	5%
THB 10,000-30,000	40%
THB 30,000-50,000	20%
THB 50,000-70,000	20%
THB 70,000-90,000	5%
Greater than THB 90,000	5%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	10.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	5%
Between 10 and 12 months	90%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	DK

Repayment Frequency

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	x

Pricing Information

Interest

Lowest quoted nominal interest	2.50%
Highest quoted nominal interest	3.50%
Reason(s) why interest rate varies	Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Credit Bureau Cambodia - CBC Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	5.97
Fixed amount - max	92
Reason for variation	Charge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 THB for loan over 2,000,000 KHR
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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Individual Loan - Seasonal (THB) samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	THB 10,000	THB 20,000	THB 40,000	THB 60,000	THB 80,000	THB 100,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-02-28	2013-02-21	2013-02-14	2013-02-08	2013-02-20	2013-02-08
Loan Term (Months)	13.0 months	13.0 months	12.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	11.8 months	11.7 months	11.3 months	10.9 months	11.5 months	11.1 months
Total Cost of Credit	THB 3,594.97	THB 7,732.30	THB 14,812.30	THB 19,782.30	THB 27,437.97	THB 33,278.30
True Price by Comp
Interest price component	33.6%	35.9%	36.0%	33.0%	33.0%	33.0%
Fee Component	0.1%	0.6%	0.2%	0.2%	0.0%	0.1%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	33.7%	36.5%	36.2%	33.2%	33.0%	33.1%
Transparency Index	89	82	83	90	91	91

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Individual Loan - Seasonal (THB) Price Graphs

Click to view Price Analysis Tool

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

	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 ∞

Institution

Institution

Product

Product

Product Summary

Product Details

Key Statistics

Description

Loan Purpose

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Individual Loan - Seasonal (THB) samples

Individual Loan - Seasonal (THB) Price Graphs

Total Borrowers of Samples

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