Institution

Finamerica Calle 16 # 6-66 piso 4Bogotá, Cundinamarca
Data approved: 2011-03-15
Data version: 1
Age of data: 114 months

Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 91 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.finamerica.com.co/
Year established1997
Head of InstitutionGregorio Alberto Mejia Solano
Regions active
# Branches43

Total Portfolio (nat'l)COP 183,819,000,000
Total Portfolio (USD)USD 100,999,450.50
Active clients with loans45,380
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsACCION INTERNACIONAL
FundersCaja de compensacion Familiar Colsubsdio, Caja de compensacion Familiar Cafam, Caja de compensacion Familiar Comfandi, Caja de compensacion Familiar Confenalco

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.ugafode.co.ug/
Year established1995
Head of InstitutionTwamuhabwa Wilson
Regions activeCentral, Western
# Branches12

Total Portfolio (nat'l)UGX 11,801,115,327
Total Portfolio (USD)USD 4,720,446.13
Active clients with loans8,197
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU
FundersOikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

2,505 Borrowers
USD 7,450,166.34 Portfolio
Active Product
6,585 Borrowers
USD 18,584,395.79 Portfolio
Active Product
23,954 Borrowers
USD 55,023,076.92 Portfolio
Active Product
955 Borrowers
USD 15,205,774.15 Portfolio
Active Product
311 Borrowers
USD 94,508.40 Portfolio
Active Product
YA
5,198 Borrowers
USD 3,119,030.61 Portfolio
Active Product
320 Borrowers
USD 59,881.76 Portfolio
Active Product

Loan Products » Summary

1,452 Borrowers
USD 809,842 Portfolio
Active Product
358 Borrowers
USD 308,906 Portfolio
Active Product
274 Borrowers
USD 148,296 Portfolio
Active Product
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
202 Borrowers
USD 311,664 Portfolio
Active Product
205 Borrowers
USD 1,004,977 Portfolio
Active Product
158 Borrowers
USD 309,496 Portfolio
Active Product
126 Borrowers
USD 38,589 Portfolio
Active Product
2,360 Borrowers
USD 340,558 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo Libre Destino COP 300,000 - 65,000,000 12 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Other Training, Fidelizacion
Crédito preferencial ( Credipremium) COP 772,500 - 83,430,000 6 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business Other Training, Programa Afinidad ( tarjeta club finamigos)
Credito Individual Nuevo y Renovado COP 772,000 - 83,430,000 1 - 59 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Credit Ins, Programa Afinidad
Credito Pymes COP 12,440,000 - 300,000,000 6 - 59 20% - 40% 80% - 100% Business, Compra de mercancías, insumos, adquisición de maqu Women, Men, Have business, Personas Naturales y Jurídicas con activos entre $248 y $2.480 millones pertenecientes a los sectore Programa Afinidad (tarjeta club finamigos)
Grupo Solidario Confianza COP 200,000 - 2,000,000 3 - 12 40% - 60% 20% - 40% Business, Consumer, Capital de Trabajo Women, Men, Agrupacion de personas que tengan en comun, proyectos agropecuarios, agroindustriales, comerciales. Credit Educ, Other Training, Charlas de grupo , cobranza de creditos , charlas de ahorro.
Mi credito YA COP 400,000 - 2,400,000 6 - 12 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, Personas sin experiencia crediticia Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos
Micro confianza COP 200,000 - 700,000 3 - 6 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, antigàŒedad del negocio de 18 meses y activos fijos inferiores a 500 SMLV Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan UGX 100,000 - 23,000,000 3 - 36 0% - 20% 0% - 20% Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc. Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required Credit Ins
Asset Acquisition Loan UGX 100,000 - 10,000,000 3 - 36 0% - 20% 40% - 60% Consumer, Other, Acquire Business or Personal Assets Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security Credit Ins
Flexible Housing Loan UGX 200,000 - 3,000,000 3 - 24 0% - 20% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Business Individual Loan UGX 100,000 - 5,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business, Business must least 3 months old, Must have security. Credit Ins
Micro Mortgage Loan UGX 500,000 - 23,000,000 3 - 36 20% - 40% 20% - 40% Housing, Other, Land acquisition Women, Men, Have business, Salaried worker Credit Ins
Small & Medium Enterprise Loan UGX 10,000,000 - 23,000,000 3 - 36 20% - 40% 40% - 60% Business, Other, Business Assets, Construction Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title Credit Ins
Small Business Loan UGX 5,000,000 - 10,000,000 3 - 24 20% - 40% 40% - 60% Business, Other, Acquire Business Assets Women, Men, Have business, Fixed Security, i.e. land required Credit Ins
School Fees Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 20% - 40% Education Women, Men, Have business, Salaried worker Credit Ins
Micro Business Group Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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