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

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
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.opportunitybank.co.ug
Year established1995
Head of InstitutionAndre Lalumiere
Regions activeCentral, Eastern, Western
# Branches15

Total Portfolio (nat'l)UGX 35,258,199,073
Total Portfolio (USD)USD 13,560,845.80
Active clients with loans23,734
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, AMFIU
FundersOpportunity International

Loan Products » Summary

Sol Grp
15,056 Borrowers
USD 3,125,699.44 Portfolio
Active Product
School Grp
4,863 Borrowers
USD 599,820.68 Portfolio
Active Product
School Idv
167 Borrowers
USD 64,993.83 Portfolio
Active Product
Agri Grp
1,298 Borrowers
USD 1,184,454.82 Portfolio
Active Product
Agri Idv
365 Borrowers
USD 1,005,059.22 Portfolio
Active Product
Asset
342 Borrowers
USD 1,100,933.09 Portfolio
Active Product
Salary
127 Borrowers
USD 115,595.38 Portfolio
Active Product
Education
95 Borrowers
USD 1,588,894.59 Portfolio
Active Product
Business
757 Borrowers
USD 2,777,517.25 Portfolio
Active Product
House Grp
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
House Idv
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
Solar Grp
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Solar Idv
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Micro Business Loan
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan UGX 50,000 - 5,000,000 4 - 12 60% - 80% 40% - 60% Business, Housing, Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Consumer Financial Education
School Fee Loan - Group UGX 100,000 - 3,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fee Loan - Individual UGX 500,000 - 5,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Group UGX 100,000 - 15,000,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Individual UGX 500,000 - 625,000,000 3 - 60 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan UGX 500,000 - 625,000,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Salary Loan UGX 500,000 - 20,000,000 3 - 36 40% - 60% 40% - 60% Consumer Women, Men, Salaried worker Credit Educ, Credit Ins
Education Loan UGX 500,000 - 625,000,000 4 - 60 40% - 60% 40% - 60% Education Women, Men, Schools & Companies are also eligible. Credit Educ, Credit Ins
Business Loan UGX 500,000 - 625,000,000 4 - 36 40% - 60% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47
Institution Price Graph
Click to view Price Analysis Tool
  2. ECLOF
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ecumenical Church Foundation, Inc. Rm. 200 BLVDM Ecumenical Center879 EDSA, West TriangleQuezon City, Metro Manila1104
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

SMID Product 4 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 1,616,813
Portfolio (USD)USD 38,679.74
Active Clients with Loans278
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Small MI and Daily Loans are mainly for vendors and sari-sari store owners, those who need smaller capital and may be processed within a day.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
OtherBurial Assistance
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest4.50%
Reason(s) why interest rate variesTime as Client, Interest rate is reduced for 3rd loan cycle up.
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing/Service Fee
% of loan amount - min3.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0.38%
% of loan amount - max0.75%
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?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
CBU withdrawals allowed for emergency purpose (i.e. hospitalization)

Full Pricing Data

SMID samples
Sample 1Sample 2Sample 3
Loan AmountPHP 8,000PHP 16,000PHP 28,000
Loan Cycle (1, 2, 3, etc)374
Disbursement Date2011-07-082011-06-212011-06-30
Loan Term (Months)4.0 months4.0 months5.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component142.7%132.3%127.4%
Insurance Component3.8%3.5%3.6%
Tax Component0.0%0.0%0.0%
Deposit Component4.8%4.1%4.9%
Full APR (int fee ins tax dep)151.3%140.0%135.9%
Transparency Index242626
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
SMID Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞