| Outstanding portfolio (UGX) | UGX 9,166,874,430 |
| Portfolio (USD) | USD 3,630,445.32 |
| Active Clients with Loans | 5,161 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | x |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 4 |
| # Regions for this product | N/A |
| Regions Active |
| Currency | UGX |
| Minimum loan size | UGX 1,000,000 |
| Maximum loan size | 8,000,000 |
| Loans less than UGX 1,000,000 | 0 |
| UGX 1,000,000-5,000,000 | 40% |
| UGX 5,000,000-7,500,000 | 40% |
| UGX 7,500,000-10,000,000 | 20% |
| UGX 10,000,000-13,000,000 | 0 |
| Greater than UGX 13,000,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 24.0 months |
| Approx average | dk |
| Loans 3 months or less | 15% |
| Between 4 and 6 months | 15% |
| Between 7 and 9 months | 15% |
| Between 10 and 12 months | 15% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 20% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 25.00% |
| Highest quoted nominal interest | 25.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Loan Appraisal | Legal Fee | |
| % of loan amount - min | 1.00% | 0 | |
| % of loan amount - max | 1.00% | 0 | |
| OR, Fixed amount - min | 0 | 1,500 | |
| Fixed amount - max | 0 | 1,500 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | Yes |
| Ins 1 | |
|---|---|
| Description | Membership Fee |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 1,500 |
| Fixed amount - max | 1,500 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 10.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | UGX 2,500,000 | UGX 3,000,000 | UGX 6,000,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-02-16 | 2012-02-12 | 2012-03-13 | ||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
| Grace Period (Months) | 1.0 month | 0.0 months | 1.2 months | ||
| Total Cost of Credit | UGX 653,000 | UGX 783,000 | UGX 1,563,000 | ||
| True Price by Comp | |||||
| Interest price component | 42.7% | 42.7% | 41.1% | ||
| Fee Component | 2.1% | 2.1% | 1.9% | ||
| Insurance Component | 0.1% | 0.1% | 0.1% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | -0.8% | 8.6% | 8.0% | ||
| Full APR (int fee ins tax dep) | 44.1% | 53.5% | 51.1% | ||
| Transparency Index | 57 | 47 | 49 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.sambhavindia.org/ |
| Year established | 1988 |
| Head of Institution | Dr. S.K.Singh |
| Regions active | Madhya Pradesh, Uttar Pradesh |
| # Branches | 9 |
| Total Portfolio (nat'l) | INR 9,737,000 |
| Total Portfolio (USD) | USD 183,716.98 |
| Active clients with loans | 1,571 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| House Repair | INR 5,000 - 20,000 | 12 - 24 | 80% - 100% | 60% - 80% | Housing | Women, Have home or land | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Live Stock | INR 5,000 - 20,000 | 12 | 80% - 100% | 0% - 20% | Livestock Purchase | Women, She should have experince of keeping Buffalow , cow and goat. | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Sanitation Loan | INR 3,000 - 10,000 | 12 - 24 | 80% - 100% | 80% - 100% | For constructing a toilet and bathing space. | Women, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| House Repair | 0% | 33.9% | 41.9% | N/A | ||||||||||
| Live Stock | 0% | 18.7% - 34.8% | 22.5% - 43.6% | N/A | ||||||||||
| Sanitation Loan | 0% | 35.5% - 42.5% | 39.6% - 54.5% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| House Repair | 18.0% annual, Flat | 1 Fee | 2 Ins | None | 10.0% upfront | 33.9% | 41.9% | 43 | ||||||||
| Live Stock | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 18.7% - 34.8% | 22.5% - 43.6% | 54 | ||||||||
| Sanitation Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 35.5% - 42.5% | 39.6% - 54.5% | 39 |
| Key Statistics | |
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| % 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 |
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