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. ProCredit
Please note that the information you are viewing is 171 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

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Product

Business Loan Product 16 of 16 « Prev | Next »

Product

Creditos para Vivienda ME Product 7 of 8 « Prev | Next »

Product Summary

Number borrowers757
Loan Amount (range)UGX 500,000 - 625,000,000
Loan Term (range)4 - 36
Other Services (text summary)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)42.3% - 62.7%
Transparency Index (min/max)27 - 69
Transparency Index (average)47

Product Summary

4,573
USD 242 - 20,000
2 - 143
Credit Ins
7.4%-36.0% annual, Decl Bal
None
None
15.00% Principal
N/A
 
N/A
15.8% - 23.6% (Int+Fee)
0
0.0% - 0.9%
16.0% - 24.0%
16 - 83
39

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 7,221,544,853
Portfolio (USD)USD 2,777,517.25
Active Clients with Loans757
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Business loan product is a newly introduced product designed to replace existing Micro Business Loan, Small Business Loan and SME loan products. It is targeted at both men and women involved with income generating activities.
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 institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Product Details

Key Statistics
Outstanding portfolio (USD)USD 19,967,105.90
Portfolio (USD)USD 19,967,105.90
Active Clients with Loans4,573
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village banking
Self help group
OtherN/A
Description
Producto destinado a la compra de vivienda o de terrenos, refacción, ampliación,\ranticrético, construcción, instalación de servicios básicos o cualquier otro destino que implique un\rmejoramiento de vivienda.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherPara Compra y construccion de vivienda
Other (2)Para compra de terreno
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size625,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0005%
UGX 1,000,000-5,000,0005%
UGX 5,000,000-7,500,0005%
UGX 7,500,000-10,000,0005%
UGX 10,000,000-13,000,0005%
Greater than UGX 13,000,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months30%
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
CurrencyUSD
Minimum loan sizeUSD 242
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term143.0 months
Approx average49.0 months
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 paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
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 Set up feeApplication Fees
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min020,000
Fixed amount - max050,000
Reason for variationN/ALoans <50M pay 20,000 & loans >50M pay 50,000.
Appears on Repayment Sched?YesYes
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 variationLoans <50M pay 1% & loans >50M pay 0.5%
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionInsrance fees
% 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?Yes
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 interest7.44%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 800,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-03-202013-03-272013-01-052013-02-122013-02-07
Loan Term (Months)6.0 months5.1 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.1 months-0.1 months-0.1 months
Total Cost of CreditUGX 144,809UGX 226,110UGX 865,414UGX 845,510UGX 1,904,364UGX 3,628,175
True Price by Comp           
Interest price component42.1%41.1%41.1%35.2%35.8%35.8%
Fee Component16.7%13.8%6.9%8.2%4.5%5.0%
Insurance Component3.9%4.3%2.0%3.7%2.0%2.1%
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)62.7%59.2%50.0%47.1%42.3%42.9%
Transparency Index384148515756
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Creditos para Vivienda ME samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-03-292010-03-232010-05-082010-03-202010-05-192010-05-11
Loan Term (Months)7.0 months24.0 months36.0 months60.0 months27.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component23.6%22.3%20.6%18.3%15.8%16.3%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.4%0.2%0.1%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.0%22.5%20.7%18.3%16.0%16.3%
Transparency Index313336414746
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Business Loan Price Graphs


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Creditos para Vivienda ME 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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X Axis
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