| Outstanding portfolio (UGX) | UGX 117,905,900 |
| Portfolio (USD) | USD 47,162 |
| Active Clients with Loans | 442 |
| 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 |
| Currency | UGX |
| Minimum loan size | UGX 700,000 |
| Maximum loan size | 2,000,000 |
| Loans less than UGX 1,000,000 | 50% |
| UGX 1,000,000-5,000,000 | 50% |
| 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 | 10.0 months |
| Longest loan term | 10.0 months |
| Approx average | 10.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 100% |
| 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 |
| 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 | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | UGX 90,000 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 1.00% |
| Maximum interest rate paid | 3.00% |
| Interest payment frequency | Annually |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | UGX 800,000 | UGX 980,000 | UGX 1,340,000 | UGX 1,340,000 | |||
| Loan Cycle (1, 2, 3, etc) | 4 | 4 | 5 | 5 | |||
| Disbursement Date | 2011-12-07 | 2012-05-12 | 2012-05-05 | 2012-04-02 | |||
| Loan Term (Months) | 10.0 months | 9.0 months | 9.0 months | 10.0 months | |||
| Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | 0.5 months | |||
| Total Cost of Credit | UGX 328,000 | UGX 401,800 | UGX 549,400 | UGX 549,400 | |||
| True Price by Comp | |||||||
| Interest price component | 85.1% | 90.8% | 90.8% | 86.1% | |||
| Fee Component | 2.7% | 2.9% | 2.9% | 2.7% | |||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 18.3% | 15.8% | 11.1% | 10.2% | |||
| Full APR (int fee ins tax dep) | 106.1% | 109.5% | 104.8% | 99.0% | |||
| Transparency Index | 45 | 44 | 46 | 48 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AgroCapital | 21,900 | 16,894,000 | 11 | 171 |
| ANED | 5,400 | 6,579,000 | 3 | 130 |
| Banco FIE | 231,100 | 569,322,000 | 6 | 130 |
| BancoSol | 215,300 | 861,418,000 | 30 | 130 |
| CIDRE | 8,500 | 126,578,000 | 8 | 130 |
| Coop Fatima | 6,300 | 44,280,000 | 7 | 171 |
| CRECER | 166,900 | 134,626,000 | 13 | 130 |
| Diaconia | 67,000 | 85,734,000 | 2 | 130 |
| Ecofuturo | 59,200 | 226,839,000 | 5 | 130 |
| EMPRENDER | 8,700 | 2,380,000 | 3 | 171 |
| Fassil FFP | 57,600 | 325,081,000 | 5 | 130 |
| FONCRESOL | 3,900 | 9,573,000 | 3 | 130 |
| FONDECO | 14,200 | 24,274,000 | 3 | 130 |
| Fortaleza | 20,100 | 164,530,000 | 13 | 130 |
| FUBODE | 29,400 | 24,444,000 | 7 | 130 |
| FUNBODEM | 8,600 | 15,798,000 | 9 | 130 |
| IDEPRO | 10,400 | 40,479,000 | 2 | 130 |
| IMPRO | 2,400 | 2,885,000 | 4 | 130 |
| ProCredit | 84,300 | 257,487,000 | 8 | 171 |
| PRODEM | 44,900 | 62,529,000 | 4 | 130 |
| ProMujer BOL | 115,200 | 50,753,000 | 3 | 130 |
| Sartawi | 14,600 | 26,842,000 | 8 | 130 |
| 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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