Institution # Borrowers Portfolio (US$) Products Age of Data
KBL468,300120,082,0001663
KF233,60041,416,000462
NRSP399,90070,157,000363
ASA230,40029,637,000363
TMFB221,20085,449,000763
FMFB163,54438,481,323982
TRDP100,00013,817,000363
PRSP75,6569,907,176382
BRAC^P57,30011,869,000363
SRSO51,1007,775,000363
SSF46,0004,776,000363
FINCA82,00043,559,000963
JWS36,0006,545,000263
RCDS35,5524,856,122482
DAMEN35,1857,150,864182
FFO22,4003,335,000363
OLP21,4003,510,000363
CSC17,6003,147,000163
AMRDO13,8001,206,000563
WMBL13,8006,105,000363
Mojaz13,4002,415,000263
SDF11,5001,041,000463
POMFB8,5002,795,000463
OPD7,500918,000263
AGAHE7,300797,000263
NRDP6,1841,521,972382
GBTI6,100669,000382
WASIL4,3001,135,000263
Micro Options4,000768,000563
VDO3,900489,000382
SVDP3,900811,0001382
SRDO3,500766,000463
OSDI2,000923,000363
APMBL1,8001,401,000363
BEDF1,400209,000382
KCDO80094,000182
Please note that the information you are viewing is 94 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Habitat for Humanity Uganda Plot 7206, Bukasa CloseKampala, Central RegionPO Box 9873
Data approved: 2012-09-11
Data version: 2
Age of data: 94 months

Product

Home Improvement Loan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 663,768,900
Portfolio (USD)USD 265,508
Active Clients with Loans858
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are for contruction, extention, renovation and improvement of residential properties.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 landx
Must be a salaried workerx
Must be specific age group
OtherMust be between 18-65 years in age
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
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size3,000,000
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 term4.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months15%
Between 13 and 18 months30%
Longer than 18 months45%
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest5.00%
Reason(s) why interest rate varies5% for 1 month grace period. Reduced to 2% for the remainder if verified for housing
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1Fee 2
DescriptionAdministration FeeApplication Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min010,000
Fixed amount - max010,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life and Asset Insurance
% 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 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
Additional Comments
The normal interest of 2% per month is charged on loans verified as used for housing, but 5% per month is charged for those loans that are diverted.

Full Pricing Data

Home Improvement Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 1,500,000UGX 3,000,000UGX 3,000,000
Loan Cycle (1, 2, 3, etc)13Not KnownNot Known
Disbursement Date2012-06-022012-06-012012-06-012012-06-01
Loan Term (Months)8.0 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 67,000UGX 415,000UGX 820,000UGX 820,000
True Price by Comp       
Interest price component40.2%41.0%41.0%41.0%
Fee Component15.3%5.3%4.6%4.6%
Insurance Component3.0%2.0%2.1%2.1%
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)58.5%48.3%47.7%47.7%
Transparency Index41505050
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Home Improvement Loan Price Graphs


Caps / Zoom options
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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