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Institution

Data approved: 2013-05-26
Data version: 3
Age of data: 113 months

Institution

APAS Financial Services Ltd 4th Floor Diamond Trust BuildingKampala, CentralPO Box 9360
Data approved: 2011-06-29
Data version: 1
Age of data: 136 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://www.juhudikilimo.com/
Year established2009
Head of InstitutionNat Robinson
Regions activeCentral, Eastern, Nyanza, Rift Valley, Western
# Branches8

Total Portfolio (nat'l)KES 367,334,756
Total Portfolio (USD)USD 4,436,410.10
Active clients with loans10,494
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAMFI, SPTF
FundersAcumen Fund, Grameen Foundation, Kiva, Soros Economic Development Fund

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.apasgroup.com/
Year established2005
Head of InstitutionAmos Ruhongore
Regions activeEastern, Western
# Branches2

Total Portfolio (nat'l)UGX 320,000,000
Total Portfolio (USD)USD 128,000
Active clients with loans320
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAMFIU, Microfinance Management Institute
Funders

Loan Products » Summary

4,198 Borrowers
USD 1,109,102.52 Portfolio
Active Product
6,296 Borrowers
USD 3,327,307.57 Portfolio
Active Product

Loan Products » Summary

200 Borrowers
USD 100,000 Portfolio
Active Product
120 Borrowers
USD 28,000 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Finance Loan KES 10,000 - 500,000 6 - 24 40% - 60% 0% - 20% Business, Agriculture Women, Men, Must be a farmer Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa
Asset Financing Dairy Cow Loan KES 30,000 - 500,000 12 - 24 40% - 60% 0% - 20% Business, Agriculture, Improve the structure used to house dairy cows Women, Men, Have home or land, Must be a farmer Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans UGX 100,000 - 1,500,000 3 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Individual Business Loans UGX 500,000 - 10,000,000 1 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Finance Loan 32.0% annual, Decl Bal 2 Fees 2 Ins None 15.0% upfront 32.3% - 44% 47.6% - 64.7% 62
Asset Financing Dairy Cow Loan 32.0% annual, Decl Bal 2 Fees 2 Ins None 15.0% upfront 33% - 39.6% 52.4% - 67.8% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Finance Loan 32.0% annual, Decl Bal 2 Fees 2 Ins Ins None 15.0% upfront 32.3% - 44% 47.6% - 64.7% 62
Asset Financing Dairy Cow Loan 32.0% annual, Decl Bal 2 Fees 2 Ins Ins None 15.0% upfront 33% - 39.6% 52.4% - 67.8% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69
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