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Institution

CUMO Microfinance Ltd Plot 214-215 AirfieldDedza, N/AP.O.Box 222
Data approved: 2011-01-06
Data version: 1
Age of data: -   months 

Institution

Five Talents Uganda Plot 351 C, Balintuma RoadNamirembeKampala, CentralPO Box 34653
Data approved: 2012-09-19
Data version: 2
Age of data: 136 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?N/A
Website addresshttp://www.concernuniversal.org/
Year established2000
Head of InstitutionEzikiel Phiri
Regions active0
# Branches2

Total Portfolio (nat'l)MWK 185,000,000
Total Portfolio (USD)USD 1,233,333.33
Active clients with loans40,000
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMAMN, The MIX Market
FundersConcern Universal, USAID, FIMA, Irish Aid

Institution Details

Institution TypeOther
Is this institution regulated?Yes
Website addresshttp://www.fivetalents.urg.uk
Year established2006
Head of InstitutionEsther Nakamatte Mbaziira
Regions activeCentral, Northern, Western
# Branches4

Total Portfolio (nat'l)UGX 920,143,726
Total Portfolio (USD)USD 368,057.49
Active clients with loans5,365
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU, Five Talents International
FundersFive Talents International, Microfinance Support Centre

Loan Products » Summary

6,763 Borrowers
USD 187 Portfolio
Active Product
32,525 Borrowers
USD 1,195,333 Portfolio
Active Product
786 Borrowers
USD 43,333 Portfolio
Active Product

Loan Products » Summary

5,024 Borrowers
USD 274,650 Portfolio
Active Product
341 Borrowers
USD 93,407 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fumba (Agricultural Loan) MWK 5,000 - 40,000 6 80% - 100% 0% - 20%
Masika (Village Enterprise Loan) MWK 1,000 - 90,000 4 - 6 80% - 100% 0% - 20%
Mtenthandevu (Small Holder Tea Growers) MWK 5,000 - 100,000 4 - 6 40% - 60% 0% - 20%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans UGX 250,000 - 1,000,000 3 - 9 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training
Individual Business Loans UGX 500,000 - 5,000,000 3 - 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
Fumba (Agricultural Loan) 60.00% annual, Flat 1 Fee 0 Ins N/A 70.8% 76%
Masika (Village Enterprise Loan) 48.00%-72.00% annual, Flat 2 Fees 0 Ins 90.4% - 92.6% 107.2% - 109.9%
Mtenthandevu (Small Holder Tea Growers) 48.00% annual, Flat 1 Fee 0 Ins 48.4% - 48.7% 54.7% - 57.3%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 36.00% annual, Flat 1 Fee 1 Ins None 25.00% upfront 64.8% - 65.3% 111% - 111.5% 32
Individual Business Loans 36.00% annual, Flat 1 Fee 1 Ins None 15.00% upfront 64.4% - 65.1% 89.2% - 90.9% 40

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fumba (Agricultural Loan) 60.00% annual, Flat 1 Fee 0 Ins Ins N/A 70.8% 76%
Masika (Village Enterprise Loan) 48.00%-72.00% annual, Flat 2 Fees 0 Ins Ins 90.4% - 92.6% 107.2% - 109.9%
Mtenthandevu (Small Holder Tea Growers) 48.00% annual, Flat 1 Fee 0 Ins Ins 48.4% - 48.7% 54.7% - 57.3%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 36.00% annual, Flat 1 Fee 1 Ins Ins None 25.00% upfront 64.8% - 65.3% 111% - 111.5% 32
Individual Business Loans 36.00% annual, Flat 1 Fee 1 Ins Ins None 15.00% upfront 64.4% - 65.1% 89.2% - 90.9% 40
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