2. Wakiso
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
  2. Diaconia
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Wakiso Self Help Co-operative Savings and Credit Society Ltd Lufuka ZoneOpposite Samuel Junior SchoolKampala, CentralPO Box 26284
Data approved: 2012-11-13
Data version: 2
Age of data: 144 months
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Institution

Diaconia Av. Juan Pablo II No 125 El AltoLa Paz
Data approved: 2013-09-16
Data version: 2
Age of data: 130 months
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Product

Business Loans Product 1 of 1 « Prev | Next »

Product

Microcredito Individual Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers513
Loan Amount (range)UGX 100,000 - 8,000,000
Loan Term (range)1 - 24
Other Services (text summary)Credit Ins, Business Training
Annual Interest & Method30.00%-42.00% annual, Flat
Fees1.00% upfront
Insurance1.00%-2.00% upfront
TaxNone
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component48.1% - 52.1%
Fee Component1.9% - 5.1%
Insurance Component1.9% - 5.2%
Tax Component Range0
Full APR (int fee ins tax dep)74.1% - 83.6%
Transparency Index (min/max)36 - 40
Transparency Index (average)37

Product Summary

39,818
BOB 200 - 560,000
3 - 96
Other Training
13.0%-24.0% annual, Decl Bal
None
0.05%-4.80% ongoing
None
N/A
 
17.1% - 59.6%
0
0.6% - 2.2%
0
17.7% - 24.7%
34 - 73
62

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 690,000,000
Portfolio (USD)USD 276,000
Active Clients with Loans513
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
These loans are given out to small business owners to enhance their existing business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business trainingx
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 worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 511,525,255.70
Portfolio (USD)USD 75,781,519.36
Active Clients with Loans39,818
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microcredito otorgado a una persona natural o jurídica, con el objeto de financiar actividades de producción, comercialización y servicios.
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 trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institution8
# Regions for this product8
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size8,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00020%
UGX 5,000,000-7,500,00020%
UGX 7,500,000-10,000,00020%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term24.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months40%
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

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 200
Maximum loan size560,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00015%
BOB 10,000-40,00050%
BOB 40,000-70,00020%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term96.0 months
Approx average26.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Protection Fund
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% on loans <1 year & 2% on loans >1 year
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid2.50%
Maximum interest rate paid2.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest13.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client, Collateral, Loan Purpose, Ciclo de préstamo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
Ins 1
DescriptionSeguro de desgravamen y sepelio
% of loan amount - min0.05%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo únicamente en la saldo principal del préstamo pendiente.
Appears on Repayment Sched?Yes
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

Business Loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 300,000UGX 800,000UGX 1,500,000UGX 3,000,000UGX 6,000,000
Loan Cycle (1, 2, 3, etc)211221
Disbursement Date2012-01-112012-05-222012-04-102012-05-082012-08-20
Loan Term (Months)3.8 months6.0 months10.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months-0.2 months0.2 months0.3 months
Total Cost of CreditUGX 36,000UGX 136,000UGX 405,000UGX 960,000UGX 1,920,000
True Price by Comp         
Interest price component48.1%48.4%52.1%49.1%48.2%
Fee Component5.1%3.5%2.4%2.0%1.9%
Insurance Component5.2%3.6%2.5%2.0%1.9%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component24.2%25.3%26.6%22.9%22.0%
Full APR (int fee ins tax dep)82.6%80.8%83.6%76.0%74.1%
Transparency Index3637363940
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Microcredito Individual samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 5,000BOB 14,000BOB 31,000BOB 50,000BOB 84,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-282013-09-302013-11-192013-11-292013-07-29
Loan Term (Months)15.0 months31.0 months36.0 months61.0 months73.0 months
Grace Period (Months)0.4 months0.2 months-0.2 months0.5 months-0.3 months
Total Cost of CreditBOB 643.90BOB 4,924.71BOB 10,809.34BOB 38,617.86BOB 52,992.80
True Price by Comp         
Interest price component18.1%23.7%20.1%24.1%17.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%0.6%0.6%
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)18.7%24.3%20.7%24.7%17.7%
Transparency Index6953635373
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Loans 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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