2. FITSE
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  2. UGAFODE
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Institution

Finance Trust For The Self Employed Private Bag A232Lilongwe, Central Region
Data approved: 2011-01-06
Data version: 1
Age of data: -   months 
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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 137 months
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Institution Details

Institution TypeTrust
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionAbebe Kebede
Regions active0
# Branches2

Total Portfolio (nat'l)MWK 65,000,000
Total Portfolio (USD)USD 433,333.33
Active clients with loans4,200
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsMalawi Microfinance Network (MAMN)
FundersVision Fund International, World Vision International, World Vision, MALAWI (ADP)

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

Agricultural loan I (Irrigation loan - Group)
1,035 Borrowers
USD 158,495 Portfolio
Active Product
Agricultural Loan II (Rain fed - Group)
435 Borrowers
USD 36,728 Portfolio
Active Product
Business Loan I (Group)
1,780 Borrowers
USD 134,206 Portfolio
Active Product
Business Loan II (Group)
1,100 Borrowers
USD 114,940 Portfolio
Active Product

Loan Products » Summary

Agric Ln
1,452 Borrowers
USD 809,842 Portfolio
Active Product
Asset Acq
358 Borrowers
USD 308,906 Portfolio
Active Product
Flex Housing
274 Borrowers
USD 148,296 Portfolio
Active Product
McroBus. Idv
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
Mcro Mrtg
202 Borrowers
USD 311,664 Portfolio
Active Product
SME Ln
205 Borrowers
USD 1,004,977 Portfolio
Active Product
Smll Bsns
158 Borrowers
USD 309,496 Portfolio
Active Product
School Fees
126 Borrowers
USD 38,589 Portfolio
Active Product
McroBus. Grp
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
Agricultural loan I (Irrigation loan - Group) MWK 30,000 - 40,000 4 - 12 40% - 60% 0% - 20%
Agricultural Loan II (Rain fed - Group) MWK 12,000 - 25,000 6 - 10 40% - 60% 0% - 20%
Business Loan I (Group) MWK 5,000 - 45,000 4 - 12 40% - 60% 0% - 20%
Business Loan II (Group) MWK 10,000 - 78,000 6 - 9 40% - 60% 80% - 100%

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
Agricultural loan I (Irrigation loan - Group) 48.00% annual, Flat 2 Fees 0 Ins 17.2% - 30.6% 21.5% - 39.2%
Agricultural Loan II (Rain fed - Group) 48.00% annual, Flat 1 Fee 0 Ins 30.1% - 32% 38.4% - 41.3%
Business Loan I (Group) 48.00% annual, Flat 1 Fee 0 Ins 89.8% 129.8%
Business Loan II (Group) 48.00% annual, Flat 1 Fee 0 Ins 89.8% 129.8%

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
Agricultural loan I (Irrigation loan - Group) 48.00% annual, Flat 2 Fees 0 Ins Ins 17.2% - 30.6% 21.5% - 39.2%
Agricultural Loan II (Rain fed - Group) 48.00% annual, Flat 1 Fee 0 Ins Ins 30.1% - 32% 38.4% - 41.3%
Business Loan I (Group) 48.00% annual, Flat 1 Fee 0 Ins Ins 89.8% 129.8%
Business Loan II (Group) 48.00% annual, Flat 1 Fee 0 Ins Ins 89.8% 129.8%

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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