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Institution

KACITA Cooperative Finance Ltd Jjemba PlazaLuwum StreetKampala, Central30794
Data approved: 2012-10-27
Data version: 2
Age of data: 85 months

Product

Business Loan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 200,000,000
Portfolio (USD)USD 80,000
Active Clients with Loans200
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The loan is given to any members in Kacita who want to boost or expand their business or clear their goods. The target is low income earners.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
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 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 institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 200,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
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 term1.0 month
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months70%
Between 7 and 9 months20%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10,000
Fixed amount - max10,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionLoan Monitoring Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 1,000,000UGX 4,000,000UGX 4,000,000UGX 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-06-152012-08-132012-08-022012-07-04
Loan Term (Months)4.1 months4.1 months4.1 months8.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 220,000UGX 850,000UGX 850,000UGX 2,060,000
True Price by Comp       
Interest price component72.2%72.0%72.0%76.4%
Fee Component21.9%18.0%18.0%17.6%
Insurance Component5.1%5.0%5.0%2.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)99.2%95.0%95.0%96.9%
Transparency Index36383837
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Business Loan Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
KBL468,300120,082,0001655
KF233,60041,416,000454
NRSP399,90070,157,000355
ASA230,40029,637,000355
TMFB221,20085,449,000755
FMFB163,54438,481,323973
TRDP100,00013,817,000355
PRSP75,6569,907,176373
BRAC^P57,30011,869,000355
SRSO51,1007,775,000355
SSF46,0004,776,000355
FINCA82,00043,559,000955
JWS36,0006,545,000255
RCDS35,5524,856,122473
DAMEN35,1857,150,864173
FFO22,4003,335,000355
OLP21,4003,510,000355
CSC17,6003,147,000155
AMRDO13,8001,206,000555
WMBL13,8006,105,000355
Mojaz13,4002,415,000255
SDF11,5001,041,000455
POMFB8,5002,795,000455
OPD7,500918,000255
AGAHE7,300797,000255
NRDP6,1841,521,972373
GBTI6,100669,000373
WASIL4,3001,135,000255
Micro Options4,000768,000555
VDO3,900489,000373
SVDP3,900811,0001373
SRDO3,500766,000455
OSDI2,000923,000355
APMBL1,8001,401,000355
BEDF1,400209,000373
KCDO80094,000173
Caps / Zoom options
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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