| Institution Type | Other |
| Is this institution regulated? | Yes |
| Website address | http://www.fivetalents.urg.uk |
| Year established | 2006 |
| Head of Institution | Esther Nakamatte Mbaziira |
| Regions active | Central, Northern, Western |
| # Branches | 4 |
| Total Portfolio (nat'l) | UGX 920,143,726 |
| Total Portfolio (USD) | USD 368,057.49 |
| Active clients with loans | 5,365 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMFIU, Five Talents International |
| Funders | Five Talents International, Microfinance Support Centre |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | UGX 250,000 - 1,000,000 | 3 - 9 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training | |||||||
| Individual Business Loans | UGX 500,000 - 5,000,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
| Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| APAS | 320 | 128,000 | 2 | 157 |
| BRAC-UGA | 139,200 | 28,254,000 | 3 | 113 |
| Centenary Bank | 133,802 | 221,144,231 | 4 | 138 |
| EBO SACCO | 1,500 | 1,240,382 | 2 | 138 |
| Equity Bank | 13,069 | 57,252,004 | 0 | 138 |
| Finance Trust | 22,555 | 17,520,424 | 5 | 138 |
| FINCA-UGA | 56,300 | 27,402,000 | 4 | 111 |
| Five Talents | 5,365 | 368,057 | 2 | 138 |
| Gatsby | 1,346 | 2,440,236 | 2 | 138 |
| Habitat Uganda | 858 | 265,508 | 1 | 138 |
| Hofokam | 20,908 | 4,793,200 | 6 | 138 |
| KACITA | 156 | 60,318 | 1 | 138 |
| Madfa SACCO | 4,832 | 288,674 | 5 | 138 |
| Opportunity | 23,734 | 13,560,846 | 13 | 138 |
| RUCREF | 5,557 | 898,380 | 4 | 157 |
| Rushere SACCO | 983 | 574,549 | 2 | 138 |
| SAO | 204 | 62,768 | 1 | 138 |
| Silver Upholders | 2,111 | 189,189 | 4 | 138 |
| THPU | 6,528 | 676,391 | 1 | 138 |
| UGAFODE | 8,197 | 4,720,446 | 9 | 138 |
| VF Uganda | 13,072 | 3,221,675 | 5 | 138 |
| Wakiso | 513 | 276,000 | 1 | 138 |
| Y-SAVE | 208 | 1,686,485 | 1 | 138 |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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