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Institution

Youth Self Employment Foundation Head OfficeDar Es SalaamPO Box 74379
Data approved: 2011-12-18
Data version: 1
Age of data: 157 months

Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 144 months
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Product

Benkijamii Loan Product 1 of 3 « Prev | Next »

Product

Agriculture Loan - Individual Product 6 of 16 « Prev | Next »

Product Summary

Number borrowers3,305
Loan Amount (range)TZS 50,000 - 1,500,000
Loan Term (range)3 - 12
Other Services (text summary)Tech Asst Visits, Business Training
Annual Interest & Method24.00%-29.00% annual, Flat
Fees0.50% upfront
Insurance1.00% upfront
TaxNone
Comp Dep25.00% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component45.1% - 54.3% (Int+Fee)
Insurance Component2.2% - 7.8%
Tax Component Range0
Full APR (int fee ins tax dep)89.8% - 106.4%
Transparency Index (min/max)23 - 39
Transparency Index (average)25

Product Summary

365
UGX 500,000 - 625,000,000
3 - 60
Credit Educ, Credit Ins, Tech Asst Visits, Business Training
24.00% annual, Decl Bal
3 fees
1.10% upfront
None
15.00% upfront
 
28.2% - 55.7%
1.8% - 17.9%
0.8% - 5.2%
0
59.8% - 82.1%
27 - 69
33

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 230,346,486
Portfolio (USD)USD 144,872
Active Clients with Loans3,305
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Community based loan product for persons engaged in business enterprises
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherBelong to the community enjoying the services
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 2,613,153,976
Portfolio (USD)USD 1,005,059.22
Active Clients with Loans365
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Agriculture loan - Individual is targated at small businesses engaged in agricultural activities. It is an individual loan extended to both men and women borrowers.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
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 institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 50,000
Maximum loan size1,500,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size625,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00010%
UGX 1,000,000-5,000,00010%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest29.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance 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 Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00%
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

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeLoan Application Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min020,000
Fixed amount - max050,000
Reason for variationN/A20,000 for loans up to 50M & 50,000 for loans over 50M
Appears on Repayment Sched?NoNo
Ongoing Fees
Fee 1
DescriptionMonitoring Fee
% of loan amount - min0.50%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1.0% for loans up to 50M & 0.5% for loans over 50M
Appears on Repayment Sched?No
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.10%
% of loan amount - max1.10%
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 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 deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
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

Benkijamii Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 100,000TZS 250,000TZS 500,000TZS 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-01-022011-07-072011-02-062011-02-04
Loan Term (Months)3.3 months3.3 months6.1 months9.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component46.0%45.1%54.3%49.8%
Insurance Component7.0%6.8%4.5%2.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component39.3%37.9%47.6%39.2%
Full APR (int fee ins tax dep)92.3%89.8%106.4%91.8%
Transparency Index26272326
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Agriculture Loan - Individual samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 800,000UGX 1,500,000UGX 5,000,000UGX 5,000,000UGX 8,500,000UGX 15,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-182013-03-042013-01-182013-03-142013-03-232012-11-08
Loan Term (Months)8.0 months6.0 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditUGX 189,536UGX 269,013UGX 1,597,840UGX 875,046UGX 2,457,868UGX 4,247,108
True Price by Comp           
Interest price component43.7%41.0%40.1%41.0%41.1%41.4%
Fee Component15.5%15.1%5.5%13.3%6.8%5.9%
Insurance Component3.0%3.7%1.7%3.6%2.0%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component19.9%18.9%12.5%18.2%15.6%15.6%
Full APR (int fee ins tax dep)82.1%78.7%59.8%76.1%65.5%65.0%
Transparency Index293040323737
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Benkijamii Loan Price Graphs


Agriculture Loan - Individual 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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