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Institution

PAWDEP NairobiKenyaP0 Box 2472
Data approved: 2010-09-13
Data version: 1
Age of data: -   months 

Institution

Ebirungi Birugomutuutu Savings & Credit Co-operative Society Ltd BwizibweraKashaariMbarara, Western-UgandaPO Box 384 MBA
Data approved: 2012-07-02
Data version: 2
Age of data: 137 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.pawdep.org/
Year established2003
Head of InstitutionJulius Chege Muiruri
Regions active0
# Branches8

Total Portfolio (nat'l)KES 480,000,000
Total Portfolio (USD)USD 5,797,101.45
Active clients with loans44,000
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2002
Head of InstitutionJoseph Mugume
Regions activeWestern
# Branches1

Total Portfolio (nat'l)UGX 3,100,954,725
Total Portfolio (USD)USD 1,240,381.89
Active clients with loans1,500
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsUganda Cooperative Alliance, AMFIU, ANKOLE Private Sector
FundersTRIAS-Uganda, SUFFICE

Loan Products » Summary

10,722 Borrowers
USD 763,554.79 Portfolio
Active Product
1,046 Borrowers
USD 1,840,943.66 Portfolio
Active Product
42,630 Borrowers
USD 4,977,693.16 Portfolio
Active Product

Loan Products » Summary

2,540 Borrowers
USD 1,027,746 Portfolio
Active Product
126 Borrowers
USD 94,377 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Emergency Loan KES 1,000 - 20,000 1 80% - 100% 0% - 20% Any Purpose Women Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training of trainers for groups
Endeleza Loan KES 100,000 - 500,000 6 - 20 80% - 100% 0% - 20% Any Purpose Women, Can be either to new or graduating clients Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Eligible for scholarships to ISIU through Goldman Sachs 10,000 Women programme, Benefits from educational tours and fairs to display their products
Nuru Loan KES 5,000 - 200,000 15 - 36 80% - 100% 0% - 20% Any Purpose Women Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan UGX 100,000 - 15,000,000 4 - 12 20% - 40% 60% - 80% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Banana Improvement Loan UGX 100,000 - 5,000,000 4 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 60.0% annual, Flat 0 Fees 0 Ins None 33.3% upfront 200.00 ongoing #N/A #N/A N/A
Endeleza Loan 15.0% annual, Flat 0 Fees 1 Ins None 30.0% upfront 200.00 ongoing #N/A #N/A N/A
Nuru Loan 18.0% annual, Decl Bal 1 Fee 0 Ins None 40.0% upfront 200.00 ongoing #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 36.00% annual, Decl Bal 1 Fee 1 Ins None 10.00% upfront 39.4% - 39.5% 50.2% - 50.3% 71
Banana Improvement Loan 34.00%-36.00% annual, Decl Bal 2 Fees 1 Ins None 10.00% upfront 39.2% - 44.5% 49.8% - 55.4% 65

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 60.0% annual, Flat 0 Fees 0 Ins Ins None 33.3% upfront 200.00 ongoing #N/A #N/A N/A
Endeleza Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None 30.0% upfront 200.00 ongoing #N/A #N/A N/A
Nuru Loan 18.0% annual, Decl Bal 1 Fee 0 Ins Ins None 40.0% upfront 200.00 ongoing #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 36.00% annual, Decl Bal 1 Fee 1 Ins Ins None 10.00% upfront 39.4% - 39.5% 50.2% - 50.3% 71
Banana Improvement Loan 34.00%-36.00% annual, Decl Bal 2 Fees 1 Ins Ins None 10.00% upfront 39.2% - 44.5% 49.8% - 55.4% 65
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