| Number borrowers | 1,369 |
| Loan Amount (range) | UGX 500,000 - 15,000,000 |
| Loan Term (range) | 4 - 10 |
| Other Services (text summary) | Credit Educ, Credit Ins |
| Annual Interest & Method | 48.00% annual, Flat |
| Fees | 2 fees |
| Insurance | 1.00% upfront |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 89.5% - 96.4% (Int+Fee) |
| Insurance Component | 0 - 6.9% |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 92.3% - 100.6% |
| Transparency Index (min/max) | 38 - 58 |
| Transparency Index (average) | 49 |
| 5,079 |
| KHR 400,000 - 8,000,000 |
| 3 - 18 |
| Credit Educ, Other Training |
| 27.6%-36.0% annual, Decl Bal |
| 0.50% upfront |
| None |
| None |
| N/A |
| 27.1% - 36.0% |
| 0 - 1.8% |
| 0 |
| 0 |
| 31.9% - 37.1% |
| 74 - 106 |
| 81 |
| Outstanding portfolio (UGX) | UGX 1,399,203,000 |
| Portfolio (USD) | USD 559,681 |
| Active Clients with Loans | 1,369 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Central |
| Outstanding portfolio (KHR) | KHR 11,703,225,800 |
| Portfolio (USD) | USD 2,962,841.98 |
| Active Clients with Loans | 5,079 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| 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 | x |
| Other | |
| Other (2) |
| # Regions for this institution | 24 |
| # Regions for this product | 24 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
| Currency | UGX |
| Minimum loan size | UGX 500,000 |
| Maximum loan size | 15,000,000 |
| Loans less than UGX 1,000,000 | 20% |
| UGX 1,000,000-5,000,000 | 15% |
| UGX 5,000,000-7,500,000 | 15% |
| UGX 7,500,000-10,000,000 | 15% |
| UGX 10,000,000-13,000,000 | 15% |
| Greater than UGX 13,000,000 | 15% |
| Shortest loan term | 4.0 months |
| Longest loan term | 10.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 30% |
| Between 7 and 9 months | 40% |
| Between 10 and 12 months | 30% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 |
| Currency | KHR |
| Minimum loan size | KHR 400,000 |
| Maximum loan size | 8,000,000 |
| Loans less than KHR 1,000,000 | 0 |
| KHR 1,000,000-3,500,000 | 50% |
| KHR 3,500,000-6,000,000 | 30% |
| KHR 6,000,000-8,000,000 | 20% |
| KHR 8,000,000-10,000,000 | 0 |
| Greater than KHR 10,000,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 18.0 months |
| Approx average | 12.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 30% |
| Between 13 and 18 months | 70% |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 |
| Lowest quoted nominal interest | 4.00% |
| Highest quoted nominal interest | 4.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Application Fee | Commission, Stamp Duty & Bank Charges | |
| % of loan amount - min | 1.00% | 3.00% | |
| % of loan amount - max | 1.00% | 3.33% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | 1% or 10,000 | Commission(2%), Stamp Duty (5000-1%), Bank Charges (0.33% or 5000) | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Credit Life Insurance |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 2.30% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Administration Fee |
| % of loan amount - min | 0.50% |
| % of loan amount - max | 0.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | UGX 700,000 | UGX 1,500,000 | UGX 3,000,000 | UGX 6,000,000 | UGX 8,000,000 | UGX 12,000,000 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | 0 | 0 | |||||
| Disbursement Date | 2010-11-20 | 2010-11-09 | 2010-11-09 | 2010-11-29 | 2010-11-15 | 2010-11-20 | |||||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | 10.0 months | 8.0 months | 3.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 96.4% | 93.3% | 92.6% | 89.5% | 90.6% | 92.9% | |||||
| Insurance Component | 4.2% | 4.1% | 4.1% | 2.8% | 3.3% | 6.9% | |||||
| 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) | 100.6% | 97.4% | 96.7% | 92.3% | 93.9% | 99.8% | |||||
| Transparency Index | 48 | 49 | 50 | 52 | 51 | 48 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | KHR 1,000,000 | KHR 1,200,000 | KHR 2,500,000 | KHR 5,000,000 | KHR 7,000,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2013-03-29 | 2013-02-12 | 2013-03-27 | 2013-04-09 | 2013-03-20 | ||||
| Loan Term (Months) | 12.0 months | 12.0 months | 15.0 months | 18.0 months | 18.0 months | ||||
| Grace Period (Months) | -0.3 months | -0.3 months | -0.3 months | 0.2 months | 0.0 months | ||||
| Total Cost of Credit | KHR 194,200 | KHR 219,600 | KHR 540,700 | KHR 1,295,200 | KHR 1,785,000 | ||||
| True Price by Comp | |||||||||
| Interest price component | 36.0% | 33.6% | 32.4% | 31.2% | 31.2% | ||||
| Fee Component | 1.1% | 1.0% | 0.9% | 0.7% | 0.8% | ||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Full APR (int fee ins tax dep) | 37.1% | 34.6% | 33.3% | 31.9% | 32.0% | ||||
| Transparency Index | 74 | 80 | 83 | 86 | 86 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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