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Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 114 months

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 123 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionWorku Tsega
Regions active
# Branches51

Total Portfolio (nat'l)ETB 119,816,176
Total Portfolio (USD)USD 6,511,748.70
Active clients with loans45,331
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, Vision Fund International
FundersWorld Vision

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionKasasa Moses
Regions activeCentral
# Branches4

Total Portfolio (nat'l)UGX 2,245,951,000
Total Portfolio (USD)USD 898,380.40
Active clients with loans5,557
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU
FundersStromme, Oikocredit

Loan Products » Summary

243 Borrowers
USD 44,990.27 Portfolio
Active Product
34,703 Borrowers
USD 4,164,431.74 Portfolio
Active Product
5,095 Borrowers
USD 382,694.08 Portfolio
Active Product
3,354 Borrowers
USD 261,871.36 Portfolio
Active Product
61 Borrowers
USD 6,850.54 Portfolio
Active Product
1,875 Borrowers
USD 639,486.30 Portfolio
Active Product

Loan Products » Summary

1,162 Borrowers
USD 91,200 Portfolio
Active Product
2,796 Borrowers
USD 203,600 Portfolio
Active Product
229 Borrowers
USD 43,200 Portfolio
Active Product
1,369 Borrowers
USD 559,681 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan ETB 2,500 - 4,500 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, 75% of group members has to be women Credit Educ, Group Mtgs, Credit Ins
Business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Consumption Loan ETB 3,000 - 5,000 10 - 24 60% - 80% 20% - 40% Any Purpose Men, Salaried worker Credit Educ, Group Mtgs
Enterprise loan ETB 4,500 - 8,000 9 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. Credit Educ, Group Mtgs, Credit Ins
Individual Loan ETB 4,000 - 50,000 9 - 24 60% - 80% 80% - 100% Business Women, Men Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Group Lending UGX 100,000 - 1,000,000 6 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Commercial Group Loans UGX 100,000 - 3,000,000 4 - 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Emergency Loan UGX 200,000 - 1,000,000 1 20% - 40% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Individual Business loans UGX 500,000 - 15,000,000 4 - 10 40% - 60% 60% - 80% Business Women, Men, Have business, Salaried worker Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49
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