Number borrowers | 1,219 |
Loan Amount (range) | UGX 100,000 - 800,000 |
Loan Term (range) | 5 |
Other Services (text summary) | Group Mtgs, Business Training |
Annual Interest & Method | 48.00% annual, Flat |
Fees | 1.00% upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 85.1% - 126.1% |
Fee Component | 2.7% - 7.5% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 111.9% - 133.6% |
Transparency Index (min/max) | 36 - 48 |
Transparency Index (average) | 39 |
1,065 |
PKR 20,000 - 30,000 |
6 - 11 |
Credit Ins, Tech Asst Visits |
21.0%-24.0% annual, Flat |
3.00% upfront |
3.00% upfront |
None |
None |
22.8% - 34.9% |
3.0% - 6.0% |
0 - 3.2% |
0 |
29.0% |
0 - N/A |
N/A |
Outstanding portfolio (UGX) | UGX 239,681,000 |
Portfolio (USD) | USD 95,872 |
Active Clients with Loans | 1,219 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Central |
Outstanding portfolio (PKR) | PKR 30,000,000 |
Portfolio (USD) | USD 306,122.45 |
Active Clients with Loans | 1,065 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 0 |
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 | |
Group meetings | |
Credit insurance | x |
Workplace visits | x |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Punjab |
Currency | UGX |
Minimum loan size | UGX 100,000 |
Maximum loan size | 800,000 |
Loans less than UGX 1,000,000 | 100% |
UGX 1,000,000-5,000,000 | 0 |
UGX 5,000,000-7,500,000 | 0 |
UGX 7,500,000-10,000,000 | 0 |
UGX 10,000,000-13,000,000 | 0 |
Greater than UGX 13,000,000 | 0 |
Shortest loan term | 5.0 months |
Longest loan term | 5.0 months |
Approx average | 5.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | PKR |
Minimum loan size | PKR 20,000 |
Maximum loan size | 30,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 30% |
PKR 25,000-50,000 | 70% |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 11.0 months |
Approx average | 9.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 40% |
Between 7 and 9 months | 60% |
Between 10 and 12 months | 0 |
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 | |
Every 2 months | |
Quarterly | |
Every 6 months | x |
Every 12 months | |
Single end payment | x |
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 | |
---|---|
Description | Loan Appraisal Fee |
% 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 | 21.00% |
Highest quoted nominal interest | 24.00% |
Reason(s) why interest rate varies | Time as Client |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Agreement Fee |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Livestock Insurance Fee |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 14.00% |
Maximum interest rate paid | 14.00% |
Interest payment frequency | End Term |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | UGX 300,000 | UGX 250,000 | UGX 800,000 | UGX 700,000 | |||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 4 | 3 | |||
Disbursement Date | 2012-03-29 | 2012-04-03 | 2012-05-05 | 2012-04-19 | |||
Loan Term (Months) | 4.8 months | 4.9 months | 4.7 months | 4.5 months | |||
Grace Period (Months) | 0.2 months | 0.4 months | 0.2 months | 0.0 months | |||
Total Cost of Credit | UGX 63,000 | UGX 52,500 | UGX 168,000 | UGX 147,000 | |||
True Price by Comp | |||||||
Interest price component | 109.6% | 105.7% | 115.0% | 126.1% | |||
Fee Component | 6.5% | 6.2% | 6.7% | 7.5% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 116.1% | 111.9% | 121.7% | 133.6% | |||
Transparency Index | 41 | 43 | 39 | 36 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | PKR 20,000 | PKR 25,000 | PKR 30,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2014-01-08 | 2014-01-02 | 2014-01-03 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | ||
Total Cost of Credit | PKR 6,310 | PKR 7,888 | PKR 9,465 | ||
True Price by Comp | |||||
Interest price component | 22.8% | 22.8% | 22.8% | ||
Fee Component | 3.0% | 3.0% | 3.0% | ||
Insurance Component | 3.2% | 3.2% | 3.2% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 29.0% | 29.0% | 29.0% | ||
Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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# 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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