2. Silver Upholders
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Silver Upholders Ltd KogomaMaganjo off Bombo RoadKampala, CentralPO Box 10454
Data approved: 2012-07-06
Data version: 2
Age of data: 148 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 239,681,000
Portfolio (USD)USD 95,872
Active Clients with Loans1,219
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is a group product where interest is prepaid, this has an advantage: 1. Clients pay smaller and affordable installments, 2. It is helpful to our organization to minimize risk and improve cash flow
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 size800,000
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 term5.0 months
Longest loan term5.0 months
Approx average5.0 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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Appraisal Fee
% 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 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?No

Full Pricing Data

Group loans samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 250,000UGX 800,000UGX 700,000
Loan Cycle (1, 2, 3, etc)1143
Disbursement Date2012-03-292012-04-032012-05-052012-04-19
Loan Term (Months)4.8 months4.9 months4.7 months4.5 months
Grace Period (Months)0.2 months0.4 months0.2 months0.0 months
Total Cost of CreditUGX 63,000UGX 52,500UGX 168,000UGX 147,000
True Price by Comp       
Interest price component109.6%105.7%115.0%126.1%
Fee Component6.5%6.2%6.7%7.5%
Insurance Component0.0%0.0%0.0%0.0%
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)116.1%111.9%121.7%133.6%
Transparency Index41433936
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group loans Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeSilver UpholdersInstitutionUG-018-V02-P01ProductUGCountry2012YearRange Number2Institution Data Version0200,000400,000600,000800,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 1,20090060030030Number of Borrowers
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  2. Fusion
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fusion Microfinance Pvt. Ltd. 303-304, 3rd Floor, Building No.2Community Center, Phase-1, NarainaNew Delhi, New Delhi110052
Data approved: 2011-08-08
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.fusionmicrofinance.com/
Year established2010
Head of InstitutionDevesh Sachdev
Regions active0
# Branches15

Total Portfolio (nat'l)INR 154,045,112
Total Portfolio (USD)USD 3,423,224.71
Active clients with loans23,323
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN, India

Loan Products » Summary

Gati
398 Borrowers
USD 67,667 Portfolio
Active Product
IGL- New Clients
1,641 Borrowers
USD 436,424 Portfolio
Active Product
IGL- Old Clients
482 Borrowers
USD 178,807 Portfolio
Active Product
Jagrati
3 Borrowers
USD 35 Portfolio
Active Product
Pragati
124 Borrowers
USD 28,910 Portfolio
Active Product
Roshni
16,417 Borrowers
USD 1,617,538 Portfolio
Active Product
Samridhi
119 Borrowers
USD 18,483 Portfolio
Active Product
Unnati
378 Borrowers
USD 33,324 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Gati INR 15,000 - 15,000 11 80% - 100% 80% - 100% Business Women, Have home or land, Credit policy permits the loan only to the females who are married with proper KYC documents Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
IGL- New Clients INR 12,000 - 12,000 17 80% - 100% 0% - 20% Business Women, Have home or land
IGL- Old Clients INR 16,000 - 30,000 24 80% - 100% 0% - 20% Business Women, Have home or land
Jagrati INR 8,000 - 8,000 11 80% - 100% 80% - 100% Business, Housing, Other Women, Have home or land, Credit policy permits the loan only to the females who are married with proper KYC documents , she c Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Pragati INR 18,000 - 18,000 11 80% - 100% 80% - 100% Business, Housing, Other Women, Only married women with proper KYC documents , she can be a salaried domestic worker Credit Educ, Group Mtgs, Credit Ins
Roshni INR 10,000 - 10,000 11 80% - 100% 0% - 20% Business, Housing, Education, Other Women Credit Educ, Group Mtgs, Credit Ins
Samridhi INR 20,000 - 20,000 11 80% - 100% 80% - 100% Business, Housing, Education, Other Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Unnati INR 12,000 - 12,000 11 80% - 100% 80% - 100% Business, Housing, Education, Other Women Credit Educ, Group Mtgs, Credit Ins

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
Gati 0% 36.6% 39% N/A
IGL- New Clients 0% 27.6% 29.4% N/A
IGL- Old Clients 0% 27.2% 29.3% N/A
Jagrati 0% 36.8% 39.3% N/A
Pragati 0% 36.8% 39.3% N/A
Roshni 0% 36.8% 39.3% N/A
Samridhi 0% 36.6% 39% N/A
Unnati 0% 36.8% 39.3% N/A
*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
Gati 31.7% annual, Decl Bal 1 Fee 0 Ins None N/A 36.6% 39% 81
IGL- New Clients 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.6% 29.4% 89
IGL- Old Clients 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% 29.3% 89
Jagrati 31.7% annual, Decl Bal 2 Fees 0 Ins None N/A 36.8% 39.3% 81
Pragati 31.7% annual, Decl Bal 1 Fee 0 Ins None N/A 36.8% 39.3% 81
Roshni 31.7% annual, Decl Bal 1 Fee 0 Ins None N/A 36.8% 39.3% 81
Samridhi 31.7% annual, Decl Bal 2 Fees 0 Ins None N/A 36.6% 39% 81
Unnati 31.7% annual, Decl Bal 2 Fees 0 Ins None N/A 36.8% 39.3% 81
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessMultipleLoan PurposeFusionInstitutionIN-026-V01-P01IN-026-V01-P02IN-026-V01-P03IN-026-V01-P04IN-026-V01-P05IN-026-V01-P06IN-026-V01-P07IN-026-V01-P08ProductINCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 8,2006,1004,1002,000200Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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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