2. Coop San Miguel
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Centenary Bank
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

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 160 months

Institution

Centenary Rural Development Bank Mapeera House, Plot 44-46, Kampala RoadKampalaP.O.Box 1892
Data approved: 2013-01-24
Data version: 2
Age of data: 137 months
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Product

Micro Juanita Individual Product 3 of 5 « Prev | Next »

Product

Micro Business Loan Product 2 of 4 « Prev | Next »

Product Summary

Number borrowers621
Loan Amount (range)USD 250 - 17,000
Loan Term (range)4 - 56
Other Services (text summary)Credit Ins
Annual Interest & Method20.0%-26.9% annual, Decl Bal
FeesNone
Insurance6.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component20.3% (Int+Fee)
Insurance Component0.7%
Tax Component Range0
Full APR (int fee ins tax dep)21.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)95

Product Summary

55,071
UGX 100,000 - 5,000,000
3 - 24
Credit Ins
29.00%-42.00% annual, Decl Bal
2 fees
0.45% upfront
None
N/A
 
21.9% - 35.0%
1.1% - 23.6%
0.4% - 2.0%
0
30.9% - 46.4%
53 - 94
77

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,495,211.67
Portfolio (USD)USD 1,495,211.67
Active Clients with Loans621
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ES TODO CREDITO DESTINADO A FINANCIAR ACTIVIDADES PRODUCTIVAS YA ESTABLECIDAS MINIMO UN AÑO EN EL MERCADO, DE PEQUEÑA Y MEDIANA ESCALA EN LA INVERSIÓN DE CAPITAL DE TRABAJO PARA NEGOCIOS
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
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
OtherDEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 76,020,881,939
Portfolio (USD)USD 29,238,801
Active Clients with Loans55,071
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short-term loan with regular repayments offered to Micro business entrepreneurs.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveCentral, Eastern, Northern, Western

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 250
Maximum loan size17,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term56.0 months
Approx average42.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
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 term3.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest26.90%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
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 1
DescriptionSEGURO DESGRAVAMEN DE DOS CABEZAS SOBRE EL MONTO DEL CREDITO DISTRIBUIDO EN CADA CUOTA
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
ESTE CREDITO CUENTA CON LA ASISTENCIA TECNICA DEL OFICIAL\rDE MICROCREDITO, EL DESEMBOLSO DEL DINERO SE REALIZA EN 48 HORAS MAXIMO LUEGO DE LA INSPECCIÓN REALIZADA.

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest42.00%
Reason(s) why interest rate variesTime as Client, Interest rates are 42% per annum for new borrowers, 34% p.a for 2nd time borrowers up to the 4th loan cycle and 29% p.a for loans above the forth cycle.
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionAcceptance CommissionStamp Duty
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min069,000
Fixed amount - max0510,000
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Protection Insurance
% of loan amount - min0.45%
% of loan amount - max0.45%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
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

Full Pricing Data

Micro Juanita Individual samples
Sample 1
Loan AmountUSD 8,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-11-25
Loan Term (Months)35.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component20.3%
Insurance Component0.7%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)21.0%
Transparency Index95
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

Micro Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 2,500,000UGX 4,000,000UGX 5,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-202013-03-202013-03-132013-04-17
Loan Term (Months)23.0 months13.0 months13.0 months24.0 months
Grace Period (Months)0.4 months0.4 months1.1 months0.0 months
Total Cost of CreditUGX 815,522UGX 1,162,755UGX 1,344,040UGX 5,425,000
True Price by Comp       
Interest price component27.6%21.9%35.0%29.1%
Fee Component2.7%23.6%3.7%2.3%
Insurance Component0.6%0.9%0.9%0.5%
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)30.9%46.4%39.6%31.9%
Transparency Index94637391
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Micro Juanita Individual Price Graphs


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Micro Business Loan 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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