The Hunger Project Uganda - Group Lending - MFTransparency.org Truth In Lending Tables

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

The Hunger Project Uganda Kisozi House NakaseroKampalaP.O Box 26393

Data approved: 2012-10-11

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 1,690,978,371
Portfolio (USD)	USD 676,391
Active Clients with Loans	6,528
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Clients form groups of 10-15 members to access credit

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education	x
Other household finance	x
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
Must be a salaried worker
Must be specific age group	x
Other	Community Member
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	3
# Regions for this product	3
Regions Active	Central, Eastern, Western

Loan Conditions

Loan Amount

Currency	UGX
Minimum loan size	UGX 100,000
Maximum loan size	1,200,000

Distribution at Disbursement (Est.)

Loans less than UGX 1,000,000	70%
UGX 1,000,000-5,000,000	30%
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

Loan Term and Grace Period

Shortest loan term	10.0 months
Longest loan term	10.0 months
Approx average	10.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	100%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Life Insurance
% 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

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	1.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Group Lending samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	UGX 300,000	UGX 700,000	UGX 800,000	UGX 600,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2012-05-16	2012-02-17	2012-04-04	2012-03-09
Loan Term (Months)	10.0 months	10.0 months	10.0 months	10.0 months
Grace Period (Months)	1.0 month	1.0 month	0.0 months	1.0 month
Total Cost of Credit	UGX 63,000	UGX 147,000	UGX 168,000	UGX 126,000
True Price by Comp
Interest price component	40.6%	41.0%	40.8%	40.6%
Fee Component	0.0%	0.0%	0.0%	0.0%
Insurance Component	2.3%	2.3%	2.3%	2.3%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	8.6%	8.8%	8.8%	8.7%
Full APR (int fee ins tax dep)	51.5%	52.1%	51.9%	51.6%
Transparency Index	39	38	39	39

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Group Lending Price Graphs

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Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cashpor Micro Credit B-4 DIG ColonyMakbool Alam RoadVaranasi, Uttar Pradesh221002

Data approved: 2010-10-25

Data version: 1

Age of data: 172 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.cashpor.in/
Year established	2002
Head of Institution	Mukul Jaiswal
Regions active
# Branches	269

Total Portfolio (nat'l)	INR 2,673,981,826
Total Portfolio (USD)	USD 50,452,487.28
Active clients with loans	417,039
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations

Loan Products » Summary

Income

417,039 Borrowers

USD 50,452,487.28 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Income Generating Loan		INR 2,000 - 25,000		12		80% - 100%		0% - 20%		Any Purpose		Women		Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

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
Income Generating Loan		0		25.8% - 26%		27.9% - 28.1%								N/A

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Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Income Generating Loan		13.5% annual, Flat		0 Fees		1 Ins		None		N/A		25.8% - 26%		27.9% - 28.1%		48

Institution Price Graph

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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

	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

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Group Lending samples

Group Lending Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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