| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.adcsi.org/ |
| Year established | 2001 |
| Head of Institution | Awash Abetew |
| Regions active | |
| # Branches | 134 |
| Total Portfolio (nat'l) | ETB 566,826,000 |
| Total Portfolio (USD) | USD 30,805,760.87 |
| Active clients with loans | 156,148 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AEMFI, MAIN |
| Funders | City Government, Global Fund |
| Institution Type | Other |
| Is this institution regulated? | Yes |
| Website address | http://www.fivetalents.urg.uk |
| Year established | 2006 |
| Head of Institution | Esther Nakamatte Mbaziira |
| Regions active | Central, Northern, Western |
| # Branches | 4 |
| Total Portfolio (nat'l) | UGX 920,143,726 |
| Total Portfolio (USD) | USD 368,057.49 |
| Active clients with loans | 5,365 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMFIU, Five Talents International |
| Funders | Five Talents International, Microfinance Support Centre |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | ETB 700 - 250,000 | 6 - 18 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Micro & Small Business Loan | ETB 700 - 1,000,000 | 7 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | UGX 250,000 - 1,000,000 | 3 - 9 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training | |||||||
| Individual Business Loans | UGX 500,000 - 5,000,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 10.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 17.3% - 20.4% | 19.8% - 23.8% | 46 | ||||||||
| Micro & Small Business Loan | 10.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 17.7% - 19.9% | 20.5% - 23.1% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
| Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 10.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 17.3% - 20.4% | 19.8% - 23.8% | 46 | ||||||||
| Micro & Small Business Loan | 10.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 17.7% - 19.9% | 20.5% - 23.1% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
| Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
| 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 ∞ | ||||||
