2. Opportunity
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. PRASAC
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 137 months
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Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 132 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.opportunitybank.co.ug
Year established1995
Head of InstitutionAndre Lalumiere
Regions activeCentral, Eastern, Western
# Branches15

Total Portfolio (nat'l)UGX 35,258,199,073
Total Portfolio (USD)USD 13,560,845.80
Active clients with loans23,734
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, AMFIU
FundersOpportunity International

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches168

Total Portfolio (nat'l)KHR 980,669,000,000
Total Portfolio (USD)USD 248,270,632.90
Active clients with loans138,525
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMixMarket, Banking With the Poor Network, APRACA
FundersDragon Capital Group, FMO, BIO, LOLC

Loan Products » Summary

Sol Grp
15,056 Borrowers
USD 3,125,699.44 Portfolio
Active Product
School Grp
4,863 Borrowers
USD 599,820.68 Portfolio
Active Product
School Idv
167 Borrowers
USD 64,993.83 Portfolio
Active Product
Agri Grp
1,298 Borrowers
USD 1,184,454.82 Portfolio
Active Product
Agri Idv
365 Borrowers
USD 1,005,059.22 Portfolio
Active Product
Asset
342 Borrowers
USD 1,100,933.09 Portfolio
Active Product
Salary
127 Borrowers
USD 115,595.38 Portfolio
Active Product
Education
95 Borrowers
USD 1,588,894.59 Portfolio
Active Product
Business
757 Borrowers
USD 2,777,517.25 Portfolio
Active Product
House Grp
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
House Idv
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
Solar Grp
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Solar Idv
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Micro Business Loan
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Agric USD
16,858 Borrowers
USD 40,039,791 Portfolio
Active Product
Agric KHR
35,522 Borrowers
USD 40,495,949.37 Portfolio
Active Product
Biodigester
1,082 Borrowers
USD 404,112 Portfolio
Active Product
Business KHR
13,870 Borrowers
USD 14,074,012.11 Portfolio
Active Product
Business USD
30,716 Borrowers
USD 100,526,647 Portfolio
Active Product
Consume KHR
9,338 Borrowers
USD 7,740,831.30 Portfolio
Active Product
Consume USD
23,576 Borrowers
USD 47,278,739 Portfolio
Active Product
Group KHR
7,527 Borrowers
USD 1,366,796.35 Portfolio
Active Product
Group USD
36 Borrowers
USD 4,350 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan UGX 50,000 - 5,000,000 4 - 12 60% - 80% 40% - 60% Business, Housing, Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Consumer Financial Education
School Fee Loan - Group UGX 100,000 - 3,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fee Loan - Individual UGX 500,000 - 5,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Group UGX 100,000 - 15,000,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Individual UGX 500,000 - 625,000,000 3 - 60 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan UGX 500,000 - 625,000,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Salary Loan UGX 500,000 - 20,000,000 3 - 36 40% - 60% 40% - 60% Consumer Women, Men, Salaried worker Credit Educ, Credit Ins
Education Loan UGX 500,000 - 625,000,000 4 - 60 40% - 60% 40% - 60% Education Women, Men, Schools & Companies are also eligible. Credit Educ, Credit Ins
Business Loan UGX 500,000 - 625,000,000 4 - 36 40% - 60% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Loan (USD) USD 75 - 50,000 4 - 48 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have home or land
Agricultural Production Loan (KHR) KHR 300,000 - 200,000,000 4 - 48 80% - 100% 0% - 20% Business, Agriculture Women, Men, Have home or land
Biodigester Loan (USD) USD 150 - 1,000 4 - 24 60% - 80% 0% - 20% Business Women, Men, Have home or land
Business Loan (KHR) KHR 300,000 - 200,000,000 4 - 48 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Business Loan (USD) USD 75 - 50,000 4 - 48 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land
Consumption Loan (KHR) KHR 300,000 - 200,000,000 4 - 48 80% - 100% 0% - 20% Housing, Consumer, Education Women, Men, Have business, Have home or land
Consumption Loan (USD) USD 75 - 25,000 4 - 48 60% - 80% 20% - 40% Housing, Consumer, Education Women, Men, Have business, Have home or land
Group Loan (KHR) KHR 100,000 - 5,000,000 4 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 16.8%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.5% - 32.4% 20.5% - 32.4% 61
Agricultural Production Loan (KHR) 25.2%-39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 26.5% - 32.4% 26.5% - 32.4% 83
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins None N/A 14.5% 14.5% 99
Business Loan (KHR) 25.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 25.3% - 34.8% 25.3% - 34.8% 83
Business Loan (USD) 16.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 21.7% - 32.4% 21.7% - 32.4% 64
Consumption Loan (KHR) 25.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 25.3% - 30.1% 25.3% - 30.1% 89
Consumption Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 21.7% - 32.4% 21.7% - 32.4% 73
Group Loan (KHR) 31.2%-39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.4% - 33.6% 32.4% - 33.6% 94

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 16.8%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.5% - 32.4% 20.5% - 32.4% 61
Agricultural Production Loan (KHR) 25.2%-39.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 26.5% - 32.4% 26.5% - 32.4% 83
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.5% 14.5% 99
Business Loan (KHR) 25.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 25.3% - 34.8% 25.3% - 34.8% 83
Business Loan (USD) 16.8%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.7% - 32.4% 21.7% - 32.4% 64
Consumption Loan (KHR) 25.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 25.3% - 30.1% 25.3% - 30.1% 89
Consumption Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.7% - 32.4% 21.7% - 32.4% 73
Group Loan (KHR) 31.2%-39.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.4% - 33.6% 32.4% - 33.6% 94
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# Countries
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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