2. NWTF
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. BRAC-UGA
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Negros Women for Tomorrow Foundation, Inc. 102 San Sebastian, Verbena Sts.Bacolod City, Negros Occidental6100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 113 months
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Product

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Product

Microfinance 6-Month Loan Product 2 of 3 « Prev | Next »

Product Summary

Number borrowers2,000
Loan Amount (range)PHP 1,800 - 3,400
Loan Term (range)6 - 12
Other Services (text summary)Tech Asst Visits
Annual Interest & Method30.0% annual, Flat
Fees3.00% ongoing 5.00% ongoing
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component86.3% - 87.3% (Int+Fee)
Insurance Component0 - 21.6%
Tax Component Range0
Full APR (int fee ins tax dep)87.2% - 88.2%
Transparency Index (min/max)25 - 50
Transparency Index (average)34

Product Summary

26,944
UGX 350,000 - 2,500,000
5 - 7
Credit Educ, Group Mtgs, Business Training
25.0% annual, Flat
1,500.00 upfront 1,500.00 upfront
None
None
10.0% upfront
 
43.1% - 46.3%
0.2% - 6.3%
0
0
56.6% - 60.7%
39 - 46
43

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 1,900,000
Portfolio (USD)USD 45,454.55
Active Clients with Loans2,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Advocate environmentally-friendly products that benefit our clients
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
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 worker
Must be specific age group
Other
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 10,832,121,611
Portfolio (USD)USD 4,289,949.15
Active Clients with Loans26,944
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans for women
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,800
Maximum loan size3,400
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 350,000
Maximum loan size2,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00060%
UGX 1,000,000-5,000,00040%
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 term5.0 months
Longest loan term7.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1Fee 2
DescriptionService ChargeDevelopment Cost
% of loan amount - min3.00%5.00%
% of loan amount - max3.00%5.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationamortized over the loan termamortized over the loan term
Appears on Repayment Sched?YesNo
Upfront Insurance Fees
This product has no upfront insurance fees
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
Development Cost may be waived if the client pays 2% downpayment

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan AppraisalMembership Fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min1,5001,500
Fixed amount - max1,5001,500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Green Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 1,800PHP 1,800PHP 1,800
Loan Cycle (1, 2, 3, etc)511
Disbursement Date2011-07-292011-07-282011-07-29
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component87.3%86.3%87.3%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.9%0.9%0.9%
Full APR (int fee ins tax dep)88.2%87.2%88.2%
Transparency Index343434
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Microfinance 6-Month Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
UGX 350,000 Generated 2015-01-01 5.8 months N/A UGX 44,952.05 60.7% 46.3% 3.5% 0.0% 0.0% 10.9% 41 - PDF
UGX 675,000 Generated 2015-01-01 5.8 months N/A UGX 83,907.53 58.5% 46.3% 1.8% 0.0% 0.0% 10.4% 43 - PDF
UGX 900,000 Generated 2015-01-01 5.8 months N/A UGX 110,876.71 58.0% 46.3% 1.3% 0.0% 0.0% 10.4% 43 - PDF
UGX 1,800,000 Generated 2015-01-01 5.8 months N/A UGX 218,753.42 57.1% 46.3% 0.7% 0.0% 0.0% 10.1% 44 - PDF
UGX 2,500,000 Generated 2015-01-01 5.8 months N/A UGX 302,657.53 56.9% 46.3% 0.5% 0.0% 0.0% 10.1% 44 - PDF
UGX 3,200,000 Generated 2015-01-01 5.8 months N/A UGX 386,561.64 56.7% 46.3% 0.3% 0.0% 0.0% 10.1% 44 - PDF
UGX 4,300,000 Generated 2015-01-01 5.8 months N/A UGX 518,410.96 56.6% 46.3% 0.2% 0.0% 0.0% 10.1% 44 - PDF
UGX 5,000,000 Generated 2015-01-01 5.8 months N/A UGX 602,315.07 56.6% 46.3% 0.2% 0.0% 0.0% 10.1% 44 - PDF
Green Loan Price Graphs


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Microfinance 6-Month 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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X Axis
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