Institution

Cantilan Bank, Inc. (A Rural Bank) Orozco St., Brgy. MagosilomCantilan, Surigao del Sur8317
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 136 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.cantilanbank.com/
Year established1980
Head of InstitutionWilliam K. Hotchkiss III (Ret.)
Regions active
# Branches14

Total Portfolio (nat'l)PhP 84,060,000
Total Portfolio (USD)USD 2,011,004.79
Active clients with loans8,113
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsMCPI, RBAP, MABS, MMC
FundersPCFC, NLDC, Landbank, CARBAF

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

393 Borrowers
USD 152,870.81 Portfolio
Active Product
3,317 Borrowers
USD 1,307,655.50 Portfolio
Active Product
2,622 Borrowers
USD 195,693.78 Portfolio
Active Product
1,493 Borrowers
USD 331,100.48 Portfolio
Active Product
PEL
280 Borrowers
USD 23,133.97 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
HOME - Housing Microfinance for Entrepeneurs PHP 7,000 - 150,000 6 - 12 60% - 80% 60% - 80% Housing Women, Men, Have business, Specific age group Credit Ins, Business Training
KITA - Kita Insakto Tipon Asenso PHP 3,000 - 150,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Business Training
MAKITA - Magkahupong Kita Alang Sa Tanan PHP 3,000 - 25,000 6 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins, Business Training
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso PHP 3,000 - 150,000 3 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins, Business Training
PEL - Pang Eskwela Loan PHP 2,000 - 6,000 6 60% - 80% 60% - 80% Education Women, Men, Have business, Have home or land, Specific age group Credit Ins

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
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21

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
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21

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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