2. UGAFODE
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

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 145 months
Choose version

Product

Small & Medium Enterprise Loan Product 6 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 2,512,441,999
Portfolio (USD)USD 1,004,977
Active Clients with Loans205
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans to SMEs for working capital, acquisition of business assets, building and construction, etc whose amounts range form UGX 10-30 Million.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
OtherBusiness Assets, Construction
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 landx
Must be a salaried worker
Must be specific age group
OtherMust have a registered security, e.g. land title
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveCentral, Western

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 10,000,000
Maximum loan size23,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0000
UGX 1,000,000-5,000,0000
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months10%
Between 13 and 18 months10%
Longer than 18 months70%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
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

Full Pricing Data

Small & Medium Enterprise Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 15,000,000UGX 10,100,000UGX 15,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-102012-10-232012-10-232012-10-23
Loan Term (Months)5.1 months12.0 months18.0 months12.0 months
Grace Period (Months)1.0 month0.0 months0.0 months0.0 months
Total Cost of CreditUGX 1,391,572.66UGX 2,018,289.76UGX 4,253,421.18UGX 2,990,182.92
True Price by Comp       
Interest price component21.0%29.6%29.6%29.6%
Fee Component7.3%4.2%2.9%4.2%
Insurance Component3.0%1.7%1.2%1.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.3%35.5%33.7%35.5%
Transparency Index96848985
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small & Medium Enterprise Loan Price Graphs


Click to view Price Analysis Tool
  2. Katipunan Bank
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

Katipunan Bank (ZN), Inc Quezon Ave. cor. Aguilar St.MiputakDipolog City, Zamboanga del Norte/Region IX7100
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 established1979
Head of InstitutionLeticia G. Loquinario
Regions active
# Branches10

Total Portfolio (nat'l)PhP 824,435,000
Total Portfolio (USD)USD 19,723,325.36
Active clients with loans57,276
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsRural Bankers Association of the Philippines (RBAP), Microenterprise Access to Banking Services (MABS), Zamboanga del Norte Federation of Rural Banks
Funders

Loan Products » Summary

Asenso
5,719 Borrowers
USD 1,795,761.96 Portfolio
Active Product
Proyekto
36,402 Borrowers
USD 3,529,482.25 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASENSO Loan PHP 10,000 - 150,000 1 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Specific age group, 18-65 years old Business Training, Other Training, Tie-up with other agencies (DTI, TESDA) for trainings
Proyekto Maasenso PHP 1,000 - 50,000 3 - 6 80% - 100% 40% - 60% Business Women, Have business, Specific age group, 18-65 years old Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Livelihood, Leadership Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASENSO Loan 30.0% annual, Flat 2 Fees 2 Ins None 100.00 upfront 10.00% ongoing 66.1% - 74.4% 79.2% - 103.5% 34
Proyekto Maasenso 30.0% annual, Flat 1 Fee 2 Ins None 100.00 upfront 45.00 ongoing 78.9% - 97.7% 92.2% - 179.2% 24
Institution Price Graph
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
Loading...
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

Total Borrowers of Samples

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