| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.ugafode.co.ug/ |
| Year established | 1995 |
| Head of Institution | Twamuhabwa Wilson |
| Regions active | Central, Western |
| # Branches | 12 |
| Total Portfolio (nat'l) | UGX 11,801,115,327 |
| Total Portfolio (USD) | USD 4,720,446.13 |
| Active clients with loans | 8,197 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMFIU |
| Funders | Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.jamiibora.org/ |
| Year established | 1999 |
| Head of Institution | Mr Samuel Kimani |
| Regions active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
| # Branches | 58 |
| Total Portfolio (nat'l) | KES 279,407,650 |
| Total Portfolio (USD) | USD 3,374,488.53 |
| Active clients with loans | 2,446 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daraja Individual | KES 100,001 - 500,000 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have taken at least 3 Micro Individual loans with a perfect repayment rate. | Credit Educ, Credit Ins, Business Training | |||||||
| Micro Individual | KES 5,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have saved money in a Jamii Bora account for at least six weeks | Credit Educ, Credit Ins, Business Training | |||||||
| Daraja Group | KES 100,000 - 500,000 | 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Micro Group | KES 5,000 - 100,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
| Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
| Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
| Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
| 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 Ins | None | N/A | 40.5% - 46.5% | 42.2% - 49.7% | 65 | ||||||||
| Asset Acquisition Loan | 30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 54.9% - 65% | 56.7% - 68.7% | 50 | ||||||||
| Flexible Housing Loan | 24.00% annual, Flat | 2 Fees | 1 Ins 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 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 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 Ins | None | N/A | 28.3% - 33.8% | 31.3% - 35.5% | 88 | ||||||||
| Small Business Loan | 30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 55% - 55.1% | 56.7% - 56.9% | 52 | ||||||||
| School Fees Loan | 30.00% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 57.7% - 73.5% | 60.8% - 78% | 45 | ||||||||
| Micro Business Group Loan | 36.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.00% upfront | 65.7% - 80.6% | 80.2% - 99.8% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
| Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
| Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
| Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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