| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.apasgroup.com/ |
| Year established | 2005 |
| Head of Institution | Amos Ruhongore |
| Regions active | Eastern, Western |
| # Branches | 2 |
| Total Portfolio (nat'l) | UGX 320,000,000 |
| Total Portfolio (USD) | USD 128,000 |
| Active clients with loans | 320 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AMFIU, Microfinance Management Institute |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2006 |
| Head of Institution | Ranjib Kumar Ghosh |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | INR 24,841,151 |
| Total Portfolio (USD) | USD 468,700.96 |
| Active clients with loans | 6,782 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | UGX 100,000 - 1,500,000 | 3 - 6 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training | |||||||
| Individual Business Loans | UGX 500,000 - 10,000,000 | 1 - 6 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 3,000 - 15,000 | 8.6 | 80% - 100% | 20% - 40% | Business | Women | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 48.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.1% - 86.6% | 40.1% - 86.6% | 75 | ||||||||
| Individual Business Loans | 60.00%-120.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 86.2% - 87.1% | 86.2% - 87.1% | 69 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 0 | 32.1% | 42.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 11.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 32.1% | 42.8% | 26 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.1% - 86.6% | 40.1% - 86.6% | 75 | ||||||||
| Individual Business Loans | 60.00%-120.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 86.2% - 87.1% | 86.2% - 87.1% | 69 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 0 | 32.1% | 42.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 11.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 32.1% | 42.8% | 26 |
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