2. KREDIT
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  2. Opportunity
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

CREDIT #17, Street 163ChamkarmornPhnom Penh, PPN/A
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
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Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 137 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.credit.com.kh/
Year established2000
Head of InstitutionChan Mach
Regions active0
# Branches9

Total Portfolio (nat'l)KHR 125,183,000,000
Total Portfolio (USD)USD 31,295,868.90
Active clients with loans48,035
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.opportunitybank.co.ug
Year established1995
Head of InstitutionAndre Lalumiere
Regions activeCentral, Eastern, Western
# Branches15

Total Portfolio (nat'l)UGX 35,258,199,073
Total Portfolio (USD)USD 13,560,845.80
Active clients with loans23,734
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, AMFIU
FundersOpportunity International

Loan Products » Summary

IDR-AGR-KHR
9,285 Borrowers
USD 4,356,612.39 Portfolio
Active Product
ID-AGR-USD
418 Borrowers
USD 412,581.69 Portfolio
Active Product
ID-KHR
9,692 Borrowers
USD 2,761,140.32 Portfolio
Active Product
ID-USD
18,936 Borrowers
USD 20,974,981.45 Portfolio
Active Product
SG-AGR-KHR
359 Borrowers
USD 55,401.50 Portfolio
Active Product
SG-KHR
524 Borrowers
USD 46,503.60 Portfolio
Active Product
SG-USD
67 Borrowers
USD 10,762.06 Portfolio
Active Product
SME-USD
5 Borrowers
USD 74,756.67 Portfolio
Active Product
VSU-KHR
8,390 Borrowers
USD 985,030.86 Portfolio
Active Product

Loan Products » Summary

Sol Grp
15,056 Borrowers
USD 3,125,699.44 Portfolio
Active Product
School Grp
4,863 Borrowers
USD 599,820.68 Portfolio
Active Product
School Idv
167 Borrowers
USD 64,993.83 Portfolio
Active Product
Agri Grp
1,298 Borrowers
USD 1,184,454.82 Portfolio
Active Product
Agri Idv
365 Borrowers
USD 1,005,059.22 Portfolio
Active Product
Asset
342 Borrowers
USD 1,100,933.09 Portfolio
Active Product
Salary
127 Borrowers
USD 115,595.38 Portfolio
Active Product
Education
95 Borrowers
USD 1,588,894.59 Portfolio
Active Product
Business
757 Borrowers
USD 2,777,517.25 Portfolio
Active Product
House Grp
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
House Idv
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
Solar Grp
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Solar Idv
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Micro Business Loan
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ID-AGR-KHR KHR 100,000 - 10,000,000 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-AGR-USD USD 100 - 2,500 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
ID-USD USD 100 - 10,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing Have business, Have home or land Group Mtgs
SG-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land Group Mtgs
SG-USD USD 50 - 300 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land Credit Educ, Group Mtgs
SME-USD USD 10,000 - 30,000 4 - 24 80% - 100% 80% - 100% Business Have business, Have home or land
VSU-KHR KHR 50,000 - 1,000,000 4 - 12 80% - 100% 0% - 20% Any Purpose Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan UGX 50,000 - 5,000,000 4 - 12 60% - 80% 40% - 60% Business, Housing, Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Consumer Financial Education
School Fee Loan - Group UGX 100,000 - 3,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fee Loan - Individual UGX 500,000 - 5,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Group UGX 100,000 - 15,000,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Individual UGX 500,000 - 625,000,000 3 - 60 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan UGX 500,000 - 625,000,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Salary Loan UGX 500,000 - 20,000,000 3 - 36 40% - 60% 40% - 60% Consumer Women, Men, Salaried worker Credit Educ, Credit Ins
Education Loan UGX 500,000 - 625,000,000 4 - 60 40% - 60% 40% - 60% Education Women, Men, Schools & Companies are also eligible. Credit Educ, Credit Ins
Business Loan UGX 500,000 - 625,000,000 4 - 36 40% - 60% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ID-AGR-KHR 30.0%-36.0% annual, Flat 0 Fees 0 Ins None N/A 30.4% - 36.5% 30.4% - 36.5% 85
ID-AGR-USD 33.6%-36.0% annual, Flat 0 Fees 0 Ins None N/A 32.8% - 33.5% 32.8% - 33.5% 100
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.1% - 36.5% 34.1% - 36.5% 67
ID-USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 31.1% 23.1% - 31.1% 79
SG-AGR-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% - 36.6% 36.5% - 36.6% 98
SG-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% 36.5% 99
SG-USD 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 28.8% - 31.2% 28.8% - 31.2% 100
SME-USD 19.2%-21.6% annual, Decl Bal 2 Fees 0 Ins None N/A 20% - 22.5% 20% - 22.5% 92
VSU-KHR 34.2% annual, Flat 0 Fees 0 Ins None N/A 34.6% - 34.7% 34.6% - 34.7% 99

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ID-AGR-KHR 30.0%-36.0% annual, Flat 0 Fees 0 Ins Ins None N/A 30.4% - 36.5% 30.4% - 36.5% 85
ID-AGR-USD 33.6%-36.0% annual, Flat 0 Fees 0 Ins Ins None N/A 32.8% - 33.5% 32.8% - 33.5% 100
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 34.1% - 36.5% 34.1% - 36.5% 67
ID-USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 31.1% 23.1% - 31.1% 79
SG-AGR-KHR 36.0% annual, Flat 0 Fees 0 Ins Ins None N/A 36.5% - 36.6% 36.5% - 36.6% 98
SG-KHR 36.0% annual, Flat 0 Fees 0 Ins Ins None N/A 36.5% 36.5% 99
SG-USD 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28.8% - 31.2% 28.8% - 31.2% 100
SME-USD 19.2%-21.6% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 20% - 22.5% 20% - 22.5% 92
VSU-KHR 34.2% annual, Flat 0 Fees 0 Ins Ins None N/A 34.6% - 34.7% 34.6% - 34.7% 99

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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