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Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 115 months

Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 118 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://yehu.org/
Year established1999
Head of InstitutionAdet N. Kachi
Regions activeCoast
# Branches8

Total Portfolio (nat'l)KES 252,974,696
Total Portfolio (USD)USD 3,055,249.95
Active clients with loans13,849
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.ugafode.co.ug/
Year established1995
Head of InstitutionTwamuhabwa Wilson
Regions activeCentral, Western
# Branches12

Total Portfolio (nat'l)UGX 11,801,115,327
Total Portfolio (USD)USD 4,720,446.13
Active clients with loans8,197
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU
FundersOikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

181 Borrowers
USD 24,222.14 Portfolio
Active Product
109 Borrowers
USD 19,287.16 Portfolio
Active Product
11,255 Borrowers
USD 2,533,955.75 Portfolio
Active Product
364 Borrowers
USD 157,605.12 Portfolio
Active Product
57 Borrowers
USD 3,337.14 Portfolio
Active Product
157 Borrowers
USD 40,853.30 Portfolio
Active Product
302 Borrowers
USD 58,271.89 Portfolio
Active Product
396 Borrowers
USD 56,922.86 Portfolio
Active Product
313 Borrowers
USD 98,441.96 Portfolio
Active Product
886 Borrowers
USD 100,862.67 Portfolio
Active Product
32 Borrowers
USD 56,011.31 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

1,452 Borrowers
USD 809,842 Portfolio
Active Product
358 Borrowers
USD 308,906 Portfolio
Active Product
274 Borrowers
USD 148,296 Portfolio
Active Product
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
202 Borrowers
USD 311,664 Portfolio
Active Product
205 Borrowers
USD 1,004,977 Portfolio
Active Product
158 Borrowers
USD 309,496 Portfolio
Active Product
126 Borrowers
USD 38,589 Portfolio
Active Product
2,360 Borrowers
USD 340,558 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan - Meat Goat KES 5,000 - 150,000 3 - 18 80% - 100% 20% - 40% Business Women, Men, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Agriculture Loan - Poultry KES 10,000 - 60,000 3 - 24 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Business Loan KES 5,000 - 1,000,000 3 - 36 80% - 100% 40% - 60% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Top Up Loan KES 5,000 - 1,000,000 3 - 24 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Afya Loan KES 12,745 - 12,745 3 - 12 80% - 100% 40% - 60% Other Women, Men, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Mabati Loan KES 5,000 - 150,000 6 - 18 60% - 80% 20% - 40% Housing Women, Men, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Elimu Loan KES 20,000 - 100,000 3 - 12 60% - 80% 60% - 80% Housing Women, Men, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Emergence Loan KES 5,000 - 40,000 3 - 9 80% - 100% 80% - 100% Any Purpose Women, Men, Specific age group
Maji ni Uhai Loan KES 10,000 - 150,000 6 - 18 80% - 100% 20% - 40% Agriculture, Housing Women, Men, Specific age group Group Mtgs, Business Training, Other Training, Leadership Training
Sikukuu Loan KES 5,000 - 10,000 3 - 12 60% - 80% 20% - 40% Any Purpose Women, Men, Specific age group

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan - Meat Goat 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 40.6% - 46.4% 62.1% - 81.8% 28
Agriculture Loan - Poultry 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 39.9% - 47.8% 59.3% - 81.5% 29
Business Loan 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 40.5% 50.4% - 62% 39
Top Up Loan 21.0% annual, Flat 0 Fees 0 Ins None N/A 37.8% - 38.2% 37.8% - 38.2% 55
Afya Loan 18.5% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 40% 68.6% 31
Mabati Loan 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 46.2% 51.3% - 81.5% 35
Elimu Loan 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 41.9% 58.7% - 66.4% 34
Emergence Loan 21.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 40.5% - 47.6% 62.2% - 81.1% 30
Maji ni Uhai Loan 20.5% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 39% - 45.2% 51.8% - 80.1% 33
Sikukuu Loan 22.5% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 100.00 ongoing 48.7% - 50.1% 84.6% - 85.1% 26

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan - Meat Goat 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 40.6% - 46.4% 62.1% - 81.8% 28
Agriculture Loan - Poultry 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 39.9% - 47.8% 59.3% - 81.5% 29
Business Loan 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 40.5% 50.4% - 62% 39
Top Up Loan 21.0% annual, Flat 0 Fees 0 Ins Ins None N/A 37.8% - 38.2% 37.8% - 38.2% 55
Afya Loan 18.5% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 40% 68.6% 31
Mabati Loan 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 46.2% 51.3% - 81.5% 35
Elimu Loan 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 39.6% - 41.9% 58.7% - 66.4% 34
Emergence Loan 21.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 40.5% - 47.6% 62.2% - 81.1% 30
Maji ni Uhai Loan 20.5% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 39% - 45.2% 51.8% - 80.1% 33
Sikukuu Loan 22.5% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 100.00 ongoing 48.7% - 50.1% 84.6% - 85.1% 26

Loan Products » Pricing Information

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
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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