2. Silver Upholders
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. NWTF
Please note that the information you are viewing is 160 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: 146 months
Choose version

Institution

Negros Women for Tomorrow Foundation, Inc. 102 San Sebastian, Verbena Sts.Bacolod City, Negros Occidental6100
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Group loans Product 1 of 4 « Prev | Next »

Product

General Loan Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers1,219
Loan Amount (range)UGX 100,000 - 800,000
Loan Term (range)5
Other Services (text summary)Group Mtgs, Business Training
Annual Interest & Method48.00% annual, Flat
Fees1.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component85.1% - 126.1%
Fee Component2.7% - 7.5%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)111.9% - 133.6%
Transparency Index (min/max)36 - 48
Transparency Index (average)39

Product Summary

96,603
PHP 1,000 - 30,000
3 - 12
Group Mtgs, Credit Ins, Business Training, Other Training, Insurance - life, accident, burial assistance for member & family, Savings / Medical and dental missions
30.0% annual, Flat
3.00% ongoing 5.00% ongoing
10.00-32.00 ongoing
None
5.0% upfront 1.00 ongoing
 
N/A
69.7% - 85.6% (Int+Fee)
0 - 21.6%
0
97.2% - 118.7%
25 - 50
27

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

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 496,900,000
Portfolio (USD)USD 11,887,559.81
Active Clients with Loans96,603
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan product can be used for client's business expansion or start-up. The primary loan. A borrower cannot avail of any other loan without this, except if you are already availing the individual loan.
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 insurancex
Workplace visits
Business trainingx
Other trainingx
OtherInsurance - life, accident, burial assistance for member & family
Other (2)Savings / Medical and dental missions
No other services
Eligibility
Men
Womenx
Must run a business
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
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.7 months
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

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1Fee 2
DescriptionService ChargeDevelopment Cost
% of loan amount - min3.00%5.00%
% of loan amount - max3.00%5.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationamortized over the loan termamortized over the loan term
Appears on Repayment Sched?YesYes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionMAF
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max32
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 1
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Development Cost is used for staff training and capacity building. Included in weekly savings deposit is Pag-asa fund (group fund. Weekly savings is P1/loan cycle.

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

Full Pricing Data

General Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 8,000PHP 8,000PHP 10,000PHP 22,000
Loan Cycle (1, 2, 3, etc)33916
Disbursement Date2011-06-292011-06-292011-06-222011-06-22
Loan Term (Months)6.0 months6.0 months12.0 months6.0 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 Component85.6%85.6%69.7%85.6%
Insurance Component21.6%21.6%16.4%12.6%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component11.6%11.6%11.1%10.4%
Full APR (int fee ins tax dep)118.7%118.7%97.2%108.6%
Transparency Index25253128
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group loans Price Graphs


Click to view Price Analysis Tool
General Loan 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 ∞