2. Ecofuturo
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Silver Upholders
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ecofuturo S.A. Calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2013-12-31
Data version: 2
Age of data: 123 months
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Institution

Silver Upholders Ltd KogomaMaganjo off Bombo RoadKampala, CentralPO Box 10454
Data approved: 2012-07-06
Data version: 2
Age of data: 137 months
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Product

Eco - USD Product 2 of 12 « Prev | Next »

Product

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Product Summary

Number borrowers4,888
Loan Amount (range)USD 300 - 500,000
Loan Term (range)3 - 120
Other Services (text summary)Credit Ins
Annual Interest & Method9.2%-30.0% annual, Decl Bal
FeesNone
Insurance0.25%-9.96% ongoing Y
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component9.9% - 28.9%
Fee Component0
Insurance Component0.9% - 1.9%
Tax Component Range0
Full APR (int fee ins tax dep)13.8% - 30.5%
Transparency Index (min/max)24 - 67
Transparency Index (average)47

Product Summary

400
UGX 100,000 - 800,000
5
Group Mtgs, Business Training
48.00% annual, Flat
1.00% upfront
None
None
5.00% upfront
 
85.1% - 126.1%
2.7% - 7.5%
0
0
107.8% - 111.1%
36 - 48
44

Product Details

Key Statistics
Outstanding portfolio (USD)USD 34,573,963
Portfolio (USD)USD 34,573,963
Active Clients with Loans4,888
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este es un producto de crédito individual consolidado y desembolsado en USD, que incluye los siguientes subproductos Ecofuturo: Eco-Individual, Eco-Agropecuario, Eco-Consumo, Eco-Disponible, y Eco-Productivo.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculturex
Educationx
Other household financex
Other
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 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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 80,550,750
Portfolio (USD)USD 32,220
Active Clients with Loans400
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is a group loan product that allows clients to only leave 5% of loaned amount as security for the loan. It is advantageous because the client leaves office with more money .
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 300
Maximum loan size500,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50050%
USD 1,500-5,00040%
USD 5,000-10,0005%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term120.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less30%
Between 4 and 6 months50%
Between 7 and 9 months10%
Between 10 and 12 months5%
Between 13 and 18 months0
Longer than 18 months5%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size800,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,000100%
UGX 1,000,000-5,000,0000
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term5.0 months
Longest loan term5.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest9.16%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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 1Ins 2
DescriptionSeguro de DesgravamenSeguro de Todo Riesgo
% of loan amount - min0.25%0
% of loan amount - max9.96%0.80%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationFee is 0.083%, charged each month on the outstanding loan principal only.Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient.
Appears on Repayment Sched?YesYes
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

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Appraisal 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
This product has no upfront insurance fees
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Eco - USD samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,144USD 5,000USD 8,000USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-152013-12-152013-12-122013-12-10
Loan Term (Months)24.0 months37.0 months49.0 months61.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.1 months
Total Cost of CreditUSD 401.80USD 1,144.82USD 5,075.66USD 6,845.33
True Price by Comp       
Interest price component28.9%12.0%25.5%14.8%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component1.6%1.8%0.9%1.0%
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)30.5%13.8%26.4%15.8%
Transparency Index30663558
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Security Scheme 1 samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 250,000UGX 700,000UGX 800,000
Loan Cycle (1, 2, 3, etc)1134
Disbursement Date2012-02-292012-04-112012-01-232012-02-23
Loan Term (Months)4.7 months4.7 months4.6 months4.6 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditUGX 63,000UGX 52,500UGX 147,000UGX 168,000
True Price by Comp       
Interest price component93.3%93.3%96.1%94.7%
Fee Component5.3%5.3%5.5%5.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component9.2%9.2%9.5%9.3%
Full APR (int fee ins tax dep)107.8%107.8%111.1%109.4%
Transparency Index45454344
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Eco - USD Price Graphs


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Security Scheme 1 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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