The Hunger Project Uganda - 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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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.thp.org/
Year established	1999
Head of Institution	Daisy Owomugasho
Regions active	Central, Eastern, Western
# Branches	3

Total Portfolio (nat'l)	UGX 1,690,978,371
Total Portfolio (USD)	USD 676,391.35
Active clients with loans	6,528
Approximate % female clients	60% - 80%
Approximate % urban clients	0% - 20%
Network affiliations	AMFIU
Funders	GIG (Global Investment Group)

Loan Products » Summary

Group Ln

6,528 Borrowers

USD 676,391 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Group Lending		UGX 100,000 - 1,200,000		10		60% - 80%		0% - 20%		Business, Education, Other		Women, Men, Have business, Have home or land, Specific age group, Community Member		Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Group Lending		20.00% annual, Flat		0 Fees		1 Ins		None		10.00% upfront		40.6% - 41%		51.5% - 52.1%		38

Institution Price Graph

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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

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209

Data approved: 2011-11-15

Data version: 1

Age of data: 160 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 91,512,080
Portfolio (USD)	USD 2,189,284.21
Active Clients with Loans	5,185
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

To provide additional capital to all regular members to finance the following; 1. Livelihood projects. 2. Business Activities and 3. Other important needs

Loan Purpose

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

Included Services

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

Eligibility

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	Must be Coop member
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 500
Maximum loan size	1,000,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	36.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily	x
Weekly	x
Every 2 weeks	x
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	3.00%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Service Fee	Notarial Fee
% of loan amount - min	4.00%	0
% of loan amount - max	4.00%	0
OR, Fixed amount - min	0	100
Fixed amount - max	0	100
Reason for variation		N/A
Appears on Repayment Sched?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Insurance
% of loan amount - min	1.50%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

	Ins 1
Description	MBA, Life and Retirement Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	20
Fixed amount - max	20
Reason for variation	N/A
Appears on Repayment Sched?	No

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	6.50%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 26
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.00%
Maximum interest rate paid	3.00%
Interest payment frequency	Annually

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

Savings Prior to Disbursement= CBU (2.5% of Loan Amount) + MMAF Standby Fund (4% of Loan Amount) Savings During Period Repayments = Weekly CBU (PhP2)+ Weekly MMAF (PhP6)

Full Pricing Data

Regular Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	PHP 3,000	PHP 8,000	PHP 15,000	PHP 30,000	PHP 50,000	PHP 90,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-04-30	2011-07-14	2011-07-14	2011-01-27	2011-07-14	2011-02-17
Loan Term (Months)	6.0 months	12.0 months	4.0 months	11.7 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	88.7%	70.1%	80.8%	74.5%	69.9%	70.6%
Insurance Component	19.6%	8.3%	10.8%	9.5%	4.2%	3.9%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	14.3%	10.7%	9.8%	12.7%	9.3%	8.6%
Full APR (int fee ins tax dep)	122.6%	89.1%	101.5%	96.7%	83.4%	83.2%
Transparency Index	29	40	35	37	43	43

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

Regular Loan Price Graphs

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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
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	to ∞

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

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

Loan Term and Grace Period

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

Additional Comments

Full Pricing Data

Regular Loan samples

Regular Loan Price Graphs

Total Borrowers of Samples

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