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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 84 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.ugafode.co.ug/
Year established1995
Head of InstitutionTwamuhabwa Wilson
Regions activeCentral, Western
# Branches12

Total Portfolio (nat'l)UGX 11,801,115,327
Total Portfolio (USD)USD 4,720,446.13
Active clients with loans8,197
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU
FundersOikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

1,452 Borrowers
USD 809,842 Portfolio
Active Product
358 Borrowers
USD 308,906 Portfolio
Active Product
274 Borrowers
USD 148,296 Portfolio
Active Product
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
202 Borrowers
USD 311,664 Portfolio
Active Product
205 Borrowers
USD 1,004,977 Portfolio
Active Product
158 Borrowers
USD 309,496 Portfolio
Active Product
126 Borrowers
USD 38,589 Portfolio
Active Product
2,360 Borrowers
USD 340,558 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan UGX 100,000 - 23,000,000 3 - 36 0% - 20% 0% - 20% Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc. Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required Credit Ins
Asset Acquisition Loan UGX 100,000 - 10,000,000 3 - 36 0% - 20% 40% - 60% Consumer, Other, Acquire Business or Personal Assets Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security Credit Ins
Flexible Housing Loan UGX 200,000 - 3,000,000 3 - 24 0% - 20% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Business Individual Loan UGX 100,000 - 5,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business, Business must least 3 months old, Must have security. Credit Ins
Micro Mortgage Loan UGX 500,000 - 23,000,000 3 - 36 20% - 40% 20% - 40% Housing, Other, Land acquisition Women, Men, Have business, Salaried worker Credit Ins
Small & Medium Enterprise Loan UGX 10,000,000 - 23,000,000 3 - 36 20% - 40% 40% - 60% Business, Other, Business Assets, Construction Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title Credit Ins
Small Business Loan UGX 5,000,000 - 10,000,000 3 - 24 20% - 40% 40% - 60% Business, Other, Acquire Business Assets Women, Men, Have business, Fixed Security, i.e. land required Credit Ins
School Fees Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 20% - 40% Education Women, Men, Have business, Salaried worker Credit Ins
Micro Business Group Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,000297
Ahantaman RB23,8009,896,000479
APED13,7001,876,000279
ASA Initiative4,400577,000479
ASA-Ghana71,60018,385,000279
ASPI80088,000679
Atwima Kwanwoma3,8001,788,000279
Baobab5,100967,000279
BestFUND13,0004,172,000379
Bonzali Rural10,4001,691,000497
CashPhase83135,000279
CASUD1,100524,000179
CEDEF50054,000479
CFF10013,000179
CRAN3,6001,019,000279
DQF1,70063,000279
EASL9,20011,409,000679
East Mamprusi12,5002,268,000479
ELDA00079
EMPRETEC Ghana20056,000279
FASL13,50014,047,000879
Grameen Ghana9,500507,000379
ID-Ghana5,600953,000379
Innovative Finance2,700354,000379
Kraban Support7,700781,000597
KRB4,0006,350,000379
Lower Pra RB34,0006,316,000397
Maata-N-Tudu12,000941,000479
Mail Finance300288,000179
Markaz00079
Markaz Al Bishara10017,000179
MicrofinPlus Gh1,100251,000279
Nwabiagya RB4,0002,265,000379
OISL62,00027,232,000979
Pro Credit00079
Rich Step100101,000179
SAT147,60029,359,000479
Sekam Trust600137,000279
Simli Pong8,900463,000397
SS Ghana20035,000179
TCCU10032,000379
The Bridge40032,000397
Union RB3,8002,361,000479
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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