Wakiso Self Help Co-operative Savings and Credit Society Ltd - MFTransparency.org Truth In Lending Tables

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

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 Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	N/A
Year established	2005
Head of Institution	Dr Eduward Ntege Hosea
Regions active	Central
# Branches	1

Total Portfolio (nat'l)	UGX 690,000,000
Total Portfolio (USD)	USD 276,000
Active clients with loans	513
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	AMFIU, UCA, UCUSCU
Funders

Loan Products » Summary

Business

513 Borrowers

USD 276,000 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Business Loans		UGX 100,000 - 8,000,000		1 - 24		40% - 60%		80% - 100%		Business, Housing, Consumer, Education, Other		Women, Men, Have business		Credit Ins, Business Training

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Business Loans		30.00%-42.00% annual, Flat		1 Fee		1 Ins		None		20.00% upfront		50.1% - 54.6%		74.1% - 83.6%		37

Institution Price Graph

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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

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 139 months

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Product

Seasonal Loan (THB) Product 13 of 16 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (THB)	THB 25,643,330
Portfolio (USD)	USD 869,265.42
Active Clients with Loans	733
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Seasonal Loan (THB) is designed for seasonal needs (rice crop, animal raising, etc.)

Loan Purpose

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

Included Services

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

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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 institution	24
# Regions for this product	1
Regions Active	Banteay Meanchey

Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 5,000
Maximum loan size	60,000

Distribution at Disbursement (Est.)

Loans less than THB 10,000	0
THB 10,000-30,000	40%
THB 30,000-50,000	30%
THB 50,000-70,000	30%
THB 70,000-90,000	0
Greater than THB 90,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	5.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	DK

Repayment Frequency

Daily
Weekly
Every 2 weeks
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	2.60%
Highest quoted nominal interest	3.00%
Reason(s) why interest rate varies	Branch, Time as Client, Client Risk
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Administration Fee
% of loan amount - min	0.50%
% of loan amount - max	0.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

This product can serve to all the village bank members without limit cycles.

Full Pricing Data

Seasonal Loan (THB) samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	THB 8,000	THB 10,000	THB 20,000	THB 40,000	THB 60,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-04-09	2013-03-15	2013-02-13	2013-02-15	2013-03-18
Loan Term (Months)	12.0 months	12.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	11.2 months	11.3 months	11.3 months	10.9 months	11.2 months
Total Cost of Credit	THB 2,772	THB 3,494	THB 6,760	THB 12,542	THB 18,550
True Price by Comp
Interest price component	33.6%	33.6%	32.4%	31.2%	30.0%
Fee Component	0.6%	0.6%	0.6%	0.6%	0.6%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	34.2%	34.2%	33.0%	31.8%	30.6%
Transparency Index	91	91	95	98	100

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

Seasonal Loan (THB) 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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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

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

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

Seasonal Loan (THB) samples

Seasonal Loan (THB) Price Graphs

Total Borrowers of Samples

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