Institution Type | Other |
Is this institution regulated? | No |
Website address | http://www.musoni.eu |
Year established | 2010 |
Head of Institution | James Onyutta |
Regions active | Central, Eastern, Nairobi, Nyanza, Rift Valley |
# Branches | 15 |
Total Portfolio (nat'l) | KES 495,960,483 |
Total Portfolio (USD) | USD 5,989,860.91 |
Active clients with loans | 16,077 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders | Musoni Investment, Access Africa Fund ( Managed by Microvest), KFW, Grameen Foundation |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.ugafode.co.ug/ |
Year established | 1995 |
Head of Institution | Twamuhabwa Wilson |
Regions active | Central, Western |
# Branches | 12 |
Total Portfolio (nat'l) | UGX 11,801,115,327 |
Total Portfolio (USD) | USD 4,720,446.13 |
Active clients with loans | 8,197 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMFIU |
Funders | Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | KES 5,000 - 140,000 | 3 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
Tuelimike ( School Fee Loan) | KES 5,000 - 70,000 | 3 - 9 | 40% - 60% | 60% - 80% | Education | Women, Men, Have business | Group Mtgs, Business Training, Other Training | |||||||
Wepesi ( Emengency Loan | KES 5,000 - 30,000 | 1 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Business Training, Other Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | 20.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront | 40.7% - 48.5% | 60.4% - 74.3% | 30 | ||||||||
Tuelimike ( School Fee Loan) | 22.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront | 45.3% - 51.8% | 67.2% - 79.2% | 29 | ||||||||
Wepesi ( Emengency Loan | 90.0% annual, Up-Front | 0 Fees | 0 Ins | None | N/A | 93.6% | 93.6% | 96 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.0% upfront | 40.7% - 48.5% | 60.4% - 74.3% | 30 | ||||||||
Tuelimike ( School Fee Loan) | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.0% upfront | 45.3% - 51.8% | 67.2% - 79.2% | 29 | ||||||||
Wepesi ( Emengency Loan | 90.0% annual, Up-Front | 0 Fees | 0 Ins Ins | None | N/A | 93.6% | 93.6% | 96 |
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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