2. ACAWE
Please note that the information you are viewing is 149 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Silver Upholders
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Associação Kavenha Wedde Av. Eduardo Mondlane (Recinto da Parroquia Da Sagrada Familia)Quelimane, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 149 months

Institution

Silver Upholders Ltd KogomaMaganjo off Bombo RoadKampala, CentralPO Box 10454
Data approved: 2012-07-06
Data version: 2
Age of data: 137 months
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Product

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Product

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Product Summary

Number borrowers60
Loan Amount (range)MZN 3,000 - 4,000
Loan Term (range)4 - 12
Other Services (text summary)Credit Educ, Group Mtgs
Annual Interest & Method54.0% annual, Decl Bal
Fees50.00 upfront
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component43.4% - 61.0% (Int+Fee)
Insurance Component2.5% - 4.0%
Tax Component Range0
Full APR (int fee ins tax dep)46.3% - 65.0%
Transparency Index (min/max)83 - 134
Transparency Index (average)93

Product Summary

50
UGX 600,000 - 1,500,000
10
Group Mtgs, Business Training
48.00% annual, Flat
1.00% upfront
None
None
10.00% upfront
 
85.1% - 126.1%
2.7% - 7.5%
0
0
111.1% - 116.1%
36 - 48
41

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 150,000
Portfolio (USD)USD 4,934.21
Active Clients with Loans60
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
Credito para comercializacao de productos
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 34,835,400
Portfolio (USD)USD 13,934
Active Clients with Loans50
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is a group loan product where clients leave 10% of loaned amount as security. Here clients receive large sums of money up to UGX 2.000.000 which is much bigger than before without collateral required.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 3,000
Maximum loan size4,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 600,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term10.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.50%
Highest quoted nominal interest4.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobre Despesas Administrativas
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionPara cobertura do credito vigente em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Appraisal Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationn/a
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Credito ao Comercio samples
Sample 1Sample 2Sample 3
Loan AmountMZN 3,000MZN 4,300MZN 4,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-10-302011-11-152011-09-30
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component43.4%58.6%61.0%
Insurance Component2.9%3.8%4.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)46.3%62.4%65.0%
Transparency Index1008783
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Security Scheme 2 samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 700,000UGX 800,000UGX 900,000UGX 900,000
Loan Cycle (1, 2, 3, etc)3355
Disbursement Date2012-05-182012-05-102012-04-132012-03-01
Loan Term (Months)9.0 months9.0 months9.0 months9.0 months
Grace Period (Months)0.2 months0.1 months0.1 months0.1 months
Total Cost of CreditUGX 287,000UGX 328,000UGX 369,000UGX 369,000
True Price by Comp       
Interest price component90.8%94.5%93.0%94.5%
Fee Component2.9%3.1%3.0%3.1%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component17.4%18.5%18.0%18.5%
Full APR (int fee ins tax dep)111.1%116.1%114.0%116.1%
Transparency Index43414241
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credito ao Comercio Price Graphs


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Security Scheme 2 Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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