2. Silver Upholders
Please note that the information you are viewing is 145 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: 145 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 34,835,400
Portfolio (USD)USD 13,934
Active Clients with Loans50
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is a group loan product where clients leave 10% of loaned amount as security. Here clients receive large sums of money up to UGX 2.000.000 which is much bigger than before without collateral required.
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 600,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
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 term10.0 months
Longest loan term10.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Security Scheme 2 samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 700,000UGX 800,000UGX 900,000UGX 900,000
Loan Cycle (1, 2, 3, etc)3355
Disbursement Date2012-05-182012-05-102012-04-132012-03-01
Loan Term (Months)9.0 months9.0 months9.0 months9.0 months
Grace Period (Months)0.2 months0.1 months0.1 months0.1 months
Total Cost of CreditUGX 287,000UGX 328,000UGX 369,000UGX 369,000
True Price by Comp       
Interest price component90.8%94.5%93.0%94.5%
Fee Component2.9%3.1%3.0%3.1%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component17.4%18.5%18.0%18.5%
Full APR (int fee ins tax dep)111.1%116.1%114.0%116.1%
Transparency Index43414241
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Security Scheme 2 Price Graphs


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  2. BSEI
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

Banco San Enrique, Inc. G/F Iloilo Medical Center, Bonifacio DriveIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1974
Head of InstitutionEngr. Arturo P. Muyco, Jr.
Regions active
# Branches5

Total Portfolio (nat'l)PhP 3,072,220
Total Portfolio (USD)USD 73,498.09
Active clients with loans664
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsBangko Sentral ng Pilipinas (BSP), Rural Bankers Association of the Philippines (RBAP), Philippine Deposit Insurance Corporation (PDIC)
FundersLandbank of the Philippines (LBP), National Livelihood Development Corporation (NLDC), Bangko Sentral ng Pilipinas (BSP)

Loan Products » Summary

Fast Cash
540 Borrowers
USD 66,386.94 Portfolio
Active Product
POWER
124 Borrowers
USD 7,111.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fast Cash PHP 3,000 - 28,000 1 - 6 80% - 100% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins
POWER (Program on Women Empowerment) PHP 3,000 - 28,000 4 - 6 80% - 100% 0% - 20% Business Women, Have business Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fast Cash 40.0%-44.0% annual, Flat 1 Fee 2 Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 92.4% 100.2% - 250.2% 31
POWER (Program on Women Empowerment) 40.0%-44.0% annual, Flat 1 Fee 2 Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 84.7% 100.2% - 242.3% 30
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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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