2. UGAFODE
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SPN
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 148 months
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Institution

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 143 months
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Product

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Product

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Product Summary

Number borrowers202
Loan Amount (range)UGX 500,000 - 23,000,000
Loan Term (range)3 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method30.00% annual, Decl Bal
Fees2 fees
Insurance0.85% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.0% - 59.5%
Fee Component1.4% - 27.1%
Insurance Component1.2% - 4.5%
Tax Component Range0
Full APR (int fee ins tax dep)32.3% - 37.9%
Transparency Index (min/max)36 - 96
Transparency Index (average)86

Product Summary

1,408
KHR 200,000 - 1,500,000
1 - 12
30.0%-42.0% annual, Decl Bal
4,000.00 upfront
None
None
N/A
 
21.7% - 36.0%
0.2% - 0.4%
0
0
30.3% - 36.4%
59 - 99
87

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 779,160,948
Portfolio (USD)USD 311,664
Active Clients with Loans202
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Purposely for purchase of identified land, building, commercial or residential house, or renovation of existing property.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household financex
OtherLand acquisition
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveCentral, Western

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 885,978,200
Portfolio (USD)USD 224,298.28
Active Clients with Loans1,408
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group Loan is a KHR currency loan to all sectors.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution22
# Regions for this product7
Regions ActiveKampong Cham, Kampong Chhnang, Kampong Speu, Kandal, Sihanoukville, Prey VengSiem Reap

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size23,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0005%
UGX 1,000,000-5,000,00070%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,0005%
Greater than UGX 13,000,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months15%
Between 10 and 12 months30%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 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
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Application Fee & Stamp DutyLoan Commision
% of loan amount - min02.00%
% of loan amount - max02.00%
OR, Fixed amount - min10,0000
Fixed amount - max15,0000
Reason for variationAp Fee = 10,000. Stamp Duty = 5,000 for loans > 2MN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance Premium
% of loan amount - min0.85%
% of loan amount - max0.85%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationn/a
Appears on Repayment Sched?No
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 interest3.50%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionUpfront fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min4,000
Fixed amount - max4,000
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

Full Pricing Data

Micro Mortgage Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 800,000UGX 1,500,000UGX 3,000,000UGX 5,000,000UGX 8,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-10-222012-10-222012-11-142012-11-082012-11-13
Loan Term (Months)8.0 months10.0 months12.0 months12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUGX 116,191UGX 249,381.49UGX 575,536.56UGX 949,227UGX 2,183,491.88
True Price by Comp         
Interest price component29.6%29.7%29.7%29.7%29.7%
Fee Component5.9%3.4%2.7%2.3%1.4%
Insurance Component2.4%2.0%1.7%1.7%1.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.9%35.1%34.1%33.7%32.3%
Transparency Index7985888993
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Group Loan KHR samples
Sample 1Sample 2Sample 3
Loan AmountKHR 200,000KHR 500,000KHR 1,200,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-252013-02-272013-02-28
Loan Term (Months)13.0 months12.0 months12.0 months
Grace Period (Months)0.3 months0.1 months-0.5 months
Total Cost of CreditKHR 34,800KHR 102,000KHR 223,100
True Price by Comp     
Interest price component29.9%36.0%36.0%
Fee Component0.4%0.4%0.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.3%36.4%36.4%
Transparency Index998282
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Micro Mortgage Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeUGAFODEInstitutionUG-020-V02-P05ProductUGCountry2012YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 100708Number of Borrowers
Click to view Price Analysis Tool
Group Loan KHR Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeSPNInstitutionKH-011-V03-P12ProductKHCountry2013YearRange Number3Institution Data Version0200,000400,000600,000800,0001,000,0001,200,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,4001,00070030030Number of Borrowers
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
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