2. UGAFODE
Please note that the information you are viewing is 144 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: 144 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.ugafode.co.ug/
Year established1995
Head of InstitutionTwamuhabwa Wilson
Regions activeCentral, Western
# Branches12

Total Portfolio (nat'l)UGX 11,801,115,327
Total Portfolio (USD)USD 4,720,446.13
Active clients with loans8,197
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU
FundersOikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

Agric Ln
1,452 Borrowers
USD 809,842 Portfolio
Active Product
Asset Acq
358 Borrowers
USD 308,906 Portfolio
Active Product
Flex Housing
274 Borrowers
USD 148,296 Portfolio
Active Product
McroBus. Idv
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
Mcro Mrtg
202 Borrowers
USD 311,664 Portfolio
Active Product
SME Ln
205 Borrowers
USD 1,004,977 Portfolio
Active Product
Smll Bsns
158 Borrowers
USD 309,496 Portfolio
Active Product
School Fees
126 Borrowers
USD 38,589 Portfolio
Active Product
McroBus. Grp
2,360 Borrowers
USD 340,558 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan UGX 100,000 - 23,000,000 3 - 36 0% - 20% 0% - 20% Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc. Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required Credit Ins
Asset Acquisition Loan UGX 100,000 - 10,000,000 3 - 36 0% - 20% 40% - 60% Consumer, Other, Acquire Business or Personal Assets Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security Credit Ins
Flexible Housing Loan UGX 200,000 - 3,000,000 3 - 24 0% - 20% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Business Individual Loan UGX 100,000 - 5,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business, Business must least 3 months old, Must have security. Credit Ins
Micro Mortgage Loan UGX 500,000 - 23,000,000 3 - 36 20% - 40% 20% - 40% Housing, Other, Land acquisition Women, Men, Have business, Salaried worker Credit Ins
Small & Medium Enterprise Loan UGX 10,000,000 - 23,000,000 3 - 36 20% - 40% 40% - 60% Business, Other, Business Assets, Construction Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title Credit Ins
Small Business Loan UGX 5,000,000 - 10,000,000 3 - 24 20% - 40% 40% - 60% Business, Other, Acquire Business Assets Women, Men, Have business, Fixed Security, i.e. land required Credit Ins
School Fees Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 20% - 40% Education Women, Men, Have business, Salaried worker Credit Ins
Micro Business Group Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41
Institution Price Graph
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  2. AMRET
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 139 months
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Product

Biodigester Loan (USD) Product 1 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 539,745
Portfolio (USD)USD 539,745
Active Clients with Loans1,677
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
A bio-digester loan is for individuals intending to build bio-digester plant in order to upgrade their living standard and promoting a better environment in society
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 150
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than USD 25010%
USD 250-1,00090%
USD 1,000-1,5000
USD 1,500-2,0000
USD 2,000-2,5000
Greater than USD 2,5000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average20.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months50%
Grace Period
Grace period usage70%
Average grace period2.0 months
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 interest1.20%
Highest quoted nominal interest1.20%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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

Biodigester Loan (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 600USD 700USD 1,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-072012-09-202012-12-05
Loan Term (Months)25.0 months19.0 months24.0 months
Grace Period (Months)3.4 months2.9 months3.0 months
Total Cost of CreditUSD 102.70USD 94.59USD 166.94
True Price by Comp     
Interest price component14.4%14.4%14.3%
Fee Component0.0%0.0%0.0%
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)14.4%14.4%14.3%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Biodigester Loan (USD) Price Graphs


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% Products with compulsory deposits
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