Institution # Borrowers Portfolio (US$) Products Age of Data
ACSI682,200103,172,0005149
ADCSI176,10030,846,0002150
BG47,0004,048,0004149
DECSI361,00096,304,0007149
Dire4,900828,0004149
DMCPSC1,20069,0001149
Eshet18,8002,392,0003149
Harbu22,4001,757,0002149
Meklit12,2001,395,0004149
Metemamen10,500650,0006149
OCSSCO502,70069,565,0003149
OMO323,60031,385,0004149
PEACE17,2002,462,0003149
SFPI33,6002,750,0003149
Sidama53,4001,162,0006149
Wasasa49,3005,798,0004149
Wisdom MFI45,3005,500,0006146
Please note that the information you are viewing is 136 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: 136 months
Choose version

Product

Business Loan Product 16 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 7,221,544,853
Portfolio (USD)USD 2,777,517.25
Active Clients with Loans757
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Business loan product is a newly introduced product designed to replace existing Micro Business Loan, Small Business Loan and SME loan products. It is targeted at both men and women involved with income generating activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
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 institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size625,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0005%
UGX 1,000,000-5,000,0005%
UGX 5,000,000-7,500,0005%
UGX 7,500,000-10,000,0005%
UGX 10,000,000-13,000,0005%
Greater than UGX 13,000,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1Fee 2
DescriptionLoan Set up feeApplication Fees
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min020,000
Fixed amount - max050,000
Reason for variationN/ALoans <50M pay 20,000 & loans >50M pay 50,000.
Appears on Repayment Sched?YesYes
Ongoing Fees
Fee 1
DescriptionMonitoring fee
% of loan amount - min0.50%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLoans <50M pay 1% & loans >50M pay 0.5%
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionInsrance fees
% of loan amount - min1.10%
% of loan amount - max1.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 4Sample 5Sample 6
Loan AmountUGX 800,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-03-202013-03-272013-01-052013-02-122013-02-07
Loan Term (Months)6.0 months5.1 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months0.0 months0.1 months-0.1 months-0.1 months
Total Cost of CreditUGX 144,809UGX 226,110UGX 865,414UGX 845,510UGX 1,904,364UGX 3,628,175
True Price by Comp           
Interest price component42.1%41.1%41.1%35.2%35.8%35.8%
Fee Component16.7%13.8%6.9%8.2%4.5%5.0%
Insurance Component3.9%4.3%2.0%3.7%2.0%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)62.7%59.2%50.0%47.1%42.3%42.9%
Transparency Index384148515756
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Business Loan Price Graphs


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