2. KACITA
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. JWS
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

KACITA Cooperative Finance Ltd Jjemba PlazaLuwum StreetKampala, Central30794
Data approved: 2012-10-27
Data version: 2
Age of data: 137 months
Choose version

Institution

Jinnah Welfare Society 11 - Jinnah Road, Link DC RoadGujranwala, Punjab52250
Data approved: 2015-06-12
Data version: 2
Age of data: 107 months
Choose version

Product

Business Loan Product 1 of 1 « Prev | Next »

Product

Micro Credit (MC) Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers200
Loan Amount (range)UGX 200,000 - 5,000,000
Loan Term (range)1 - 6
Other Services (text summary)Credit Educ, Tech Asst Visits
Annual Interest & Method36.00% annual, Flat
Fees2 fees
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component72.0% - 76.4%
Fee Component17.6% - 21.9%
Insurance Component2.9% - 5.1%
Tax Component Range0
Full APR (int fee ins tax dep)95.0% - 99.2%
Transparency Index (min/max)36 - 38
Transparency Index (average)37

Product Summary

35,000
PKR 20,000 - 50,000
12
Group Mtgs, Credit Ins, Business Training
20.0% annual, Flat
3.00% upfront
None
None
N/A
 
19.1% - 34.6%
3.0% - 5.9%
0
0
40.4% - 40.5%
49 - 90
49

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

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 571,893,408
Portfolio (USD)USD 5,615,993.27
Active Clients with Loans35,000
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To improve small scaled businesses i.e.commerce, petty trading, handicraft, manufacturing & services etc
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 ActivePunjab

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

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
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

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionprocessing fee and clients death insurance fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 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

Full Pricing Data

Micro Credit (MC) 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
PKR 40,000 Real 2015-04-20 12.0 months N/A PKR 9,200 40.4% 34.5% 5.9% 0.0% 0.0% 0.0% 49 PDF PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,221.92 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 45,000 Real 2015-04-20 12.0 months N/A PKR 10,350 40.4% 34.5% 5.9% 0.0% 0.0% 0.0% 49 PDF PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 10,374.66 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 4,610.96 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 5,763.70 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,916.44 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 8,069.18 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,221.92 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 11,527.40 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
Business Loan Price Graphs


Click to view Price Analysis Tool
Micro Credit (MC) Price Graphs


Click to view Price Analysis Tool
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞