| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| APAS | 320 | 128,000 | 2 | 163 |
| BRAC-UGA | 139,200 | 28,254,000 | 3 | 119 |
| Centenary Bank | 133,802 | 221,144,231 | 4 | 144 |
| EBO SACCO | 1,500 | 1,240,382 | 2 | 144 |
| Equity Bank | 13,069 | 57,252,004 | 0 | 144 |
| Finance Trust | 22,555 | 17,520,424 | 5 | 144 |
| FINCA-UGA | 56,300 | 27,402,000 | 4 | 117 |
| Five Talents | 5,365 | 368,057 | 2 | 144 |
| Gatsby | 1,346 | 2,440,236 | 2 | 144 |
| Habitat Uganda | 858 | 265,508 | 1 | 144 |
| Hofokam | 20,908 | 4,793,200 | 6 | 144 |
| KACITA | 156 | 60,318 | 1 | 144 |
| Madfa SACCO | 4,832 | 288,674 | 5 | 144 |
| Opportunity | 23,734 | 13,560,846 | 13 | 144 |
| RUCREF | 5,557 | 898,380 | 4 | 163 |
| Rushere SACCO | 983 | 574,549 | 2 | 144 |
| SAO | 204 | 62,768 | 1 | 144 |
| Silver Upholders | 2,111 | 189,189 | 4 | 144 |
| THPU | 6,528 | 676,391 | 1 | 144 |
| UGAFODE | 8,197 | 4,720,446 | 9 | 144 |
| VF Uganda | 13,072 | 3,221,675 | 5 | 144 |
| Wakiso | 513 | 276,000 | 1 | 144 |
| Y-SAVE | 208 | 1,686,485 | 1 | 144 |
| Outstanding portfolio (PKR) | PKR 823,809,529 |
| Portfolio (USD) | USD 8,406,219.68 |
| Active Clients with Loans | 33,590 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Small animal purchase, raring, fattening and productivity enhancement of large animals |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | 6 |
| Regions Active | Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh |
| Currency | PKR |
| Minimum loan size | PKR 10,000 |
| Maximum loan size | 150,000 |
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 80% |
| PKR 25,000-50,000 | 10% |
| PKR 50,000-75,000 | 5% |
| PKR 75,000-150,000 | 5% |
| Greater than PKR 150,000 | 5% |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 12.0 months |
| 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 usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 26.00% |
| Highest quoted nominal interest | 38.40% |
| Reason(s) why interest rate varies | Branch, Loan Repayment Type (bullet & Installment) |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Loan Processing Fee |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 230 |
| Fixed amount - max | 980 |
| Reason for variation | Fee applies on different loan slabs. Insurance fee is part of processing fee |
| Appears on Repayment Sched? | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | Yes |
| Percentage of fees | 16% |
| All or some fees taxed | Some |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | PKR 30,000 | PKR 50,000 | PKR 70,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-08-23 | 2013-06-20 | 2013-09-30 | ||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
| Grace Period (Months) | 0.2 months | 0.0 months | 0.2 months | ||
| Total Cost of Credit | PKR 10,296 | PKR 11,719 | PKR 19,179 | ||
| True Price by Comp | |||||
| Interest price component | 32.0% | 37.8% | 26.0% | ||
| Fee Component | 2.7% | 2.4% | 1.8% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.4% | 0.4% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 35.1% | 40.6% | 27.8% | ||
| Transparency Index | N/A | N/A | N/A | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| to | ||||||
| to ∞ | ||||||
