2. CCODE
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  2. RUCREF
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Institution

The Centre for Community Organisation and Development P.O. Box 2109LilongweP.O. Box 2109
Data approved: 2011-01-06
Data version: 1
Age of data: -   months 
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Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 157 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?N/A
Website addressN/A
Year established2003
Head of InstitutionSIKU NKHOMA
Regions active0
# Branches1

Total Portfolio (nat'l)MWK 110,429,000
Total Portfolio (USD)USD 736,193.33
Active clients with loans2,422
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSLUM DWELLERS INTERNATIONAL, MALAWI MICRO FINANCE NETWORK, MALAWI HOMELESS PEOPLE'S FEDERATION
FundersSLUM DWELLERS INTERNATIONAL, HOMELESS INTERNATIONAL, AFRICAN DEVELOPMENT BANK, WASTE

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionKasasa Moses
Regions activeCentral
# Branches4

Total Portfolio (nat'l)UGX 2,245,951,000
Total Portfolio (USD)USD 898,380.40
Active clients with loans5,557
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU
FundersStromme, Oikocredit

Loan Products » Summary

Business Loan
399 Borrowers
USD 5,186 Portfolio
Active Product
Home Improvement Loan
233 Borrowers
USD 10,981 Portfolio
Active Product
Home Loan
1,468 Borrowers
USD 693,271 Portfolio
Active Product
Sanitation Loan
215 Borrowers
USD 30,200 Portfolio
Active Product

Loan Products » Summary

Agric Grp
1,162 Borrowers
USD 91,200 Portfolio
Active Product
Comm Grp
2,796 Borrowers
USD 203,600 Portfolio
Active Product
Emergency
229 Borrowers
USD 43,200 Portfolio
Active Product
Idv Business
1,369 Borrowers
USD 559,681 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MWK 10,000 - 30,000 1 - 6 80% - 100% 80% - 100%
Home Improvement Loan MWK 20,000 - 80,000 1 - 24 80% - 100% 80% - 100%
Home Loan MWK 100,000 - 250,000 1 - 96 80% - 100% 80% - 100%
Sanitation Loan MWK 25,000 - 40,000 24 80% - 100% 80% - 100%

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Group Lending UGX 100,000 - 1,000,000 6 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Commercial Group Loans UGX 100,000 - 3,000,000 4 - 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Emergency Loan UGX 200,000 - 1,000,000 1 20% - 40% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Individual Business loans UGX 500,000 - 15,000,000 4 - 10 40% - 60% 60% - 80% Business Women, Men, Have business, Salaried worker Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins N/A 17% - 17.2% 17% - 17.2%
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins N/A 15.6% - 16.8% 15.6% - 16.8%
Home Loan 12.00% annual, Decl Bal 0 Fees 0 Ins N/A 11.3% - 11.7% 11.3% - 11.7%
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins N/A 16.1% - 16.8% 16.1% - 16.8%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins Ins N/A 17% - 17.2% 17% - 17.2%
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins N/A 15.6% - 16.8% 15.6% - 16.8%
Home Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins N/A 11.3% - 11.7% 11.3% - 11.7%
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins N/A 16.1% - 16.8% 16.1% - 16.8%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49
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