2. RUCREF
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 165 months

Product

Agriculture Group Lending Product 1 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 228,000,000
Portfolio (USD)USD 91,200
Active Clients with Loans1,162
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village bankingx
Self help group
Other
Description
These loans are given to people in group and engaged in agriculturer related activities.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
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 institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,000100%
UGX 1,000,000-5,000,0000
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
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 interest3.20%
Highest quoted nominal interest3.20%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionApplication fee
% of loan amount - min2.40%0
% of loan amount - max2.40%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
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

Full Pricing Data

Agriculture Group Lending samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 300,000UGX 800,000UGX 800,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-12-052010-12-052010-12-122010-12-23
Loan Term (Months)4.7 months4.7 months4.7 months4.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component90.7%90.7%84.9%84.9%
Insurance Component5.6%5.6%5.5%5.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)96.3%96.3%90.4%90.4%
Transparency Index40404242
        
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MFT Pricing CalculationPDFPDFPDFPDF
Agriculture Group Lending Price Graphs


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  2. Spandana
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Spandana Sphoorty Financial Limited Plot No 79, Care Crystal,Vinayak Nagar, GachibowliHyderabad, Andhra Pradesh500032
Data approved: 2013-05-02
Data version: 3
Age of data: 140 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.spandanaindia.com/
Year established2004
Head of InstitutionPadmaja Reddy G.
Regions activeAndhra Pradesh, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa
# Branches1221

Total Portfolio (nat'l)INR 27,681,507,970
Total Portfolio (USD)USD 522,292,603.20
Active clients with loans3,305,413
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSadhan, Mix Market, MFIN, WWB

Loan Products » Summary

Abhilasha
178,199 Borrowers
USD 43,740,584.21 Portfolio
Active Product
Pragathi
355,279 Borrowers
USD 103,500,247.70 Portfolio
Active Product
Dharani
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Abhilasha INR 4,000 - 30,000 0.6 - 24 80% - 100% 0% - 20% Business, Housing, Education, Other Women, Low HH Inc, Med HH Inc, Economically active. Credit Educ, Group Mtgs, Other Training, Group Solidarity Training
Pragathi INR 15,000 - 50,000 18 - 24 80% - 100% 0% - 20% Business Women, Self-employed. Credit Educ, Group Mtgs, Group Solidarity Training

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Abhilasha 24.8% - 26.1% 28.2% - 28.9% 30.7% - 31.5% Yes Yes Yes 100
Pragathi 26.1% 28.1% 30.5% Yes Yes Yes 100
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 24.5%-26.1% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.2% - 28.9% 30.7% - 31.5% 79
Pragathi 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.1% 30.5% 85
Institution Price Graph
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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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