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Institution

BRAC Uganda Microfinance Ltd Plot 90, Busingiri ZoneOff Entebbe RoadKampala, Central31817
Data approved: 2014-09-22
Data version: 3
Age of data: 112 months

Product

Microfinance 1-Year Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 48,744,547,252
Portfolio (USD)USD 19,304,771.19
Active Clients with Loans106,742
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loans for women
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 institution4
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 350,000
Maximum loan size3,500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00060%
UGX 1,000,000-5,000,00040%
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 term3.0 months
Longest loan term12.5 months
Approx average11.0 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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan AppraisalMembership Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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 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

Microfinance 1-Year Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
UGX 1,300,000 Real 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 PDF PDF
UGX 1,300,000 Generated 2015-01-01 4.4 months N/A UGX 132,924.66 63.5% 46.1% 6.0% 0.0% 0.0% 11.4% 39 - PDF
UGX 700,000 Generated 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 - PDF
UGX 700,000 Real 2015-01-01 4.6 months N/A UGX 75,623.29 63.9% 46.1% 6.3% 0.0% 0.0% 11.5% 39 PDF PDF
UGX 350,000 Generated 2015-01-01 11.7 months N/A UGX 90,582.19 58.6% 45.6% 3.1% 0.0% 0.0% 9.9% 43 - PDF
UGX 675,000 Generated 2015-01-01 11.7 months N/A UGX 173,301.37 58.1% 45.6% 2.6% 0.0% 0.0% 9.9% 43 - PDF
UGX 900,000 Generated 2015-01-01 11.7 months N/A UGX 230,568.49 57.9% 45.6% 2.5% 0.0% 0.0% 9.8% 43 - PDF
UGX 3,500,000 Generated 2015-01-01 11.7 months N/A UGX 892,321.92 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 4,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,019,582.19 57.6% 45.6% 2.2% 0.0% 0.0% 9.8% 43 - PDF
UGX 5,000,000 Generated 2015-01-01 11.7 months N/A UGX 1,274,102.74 57.5% 45.6% 2.2% 0.0% 0.0% 9.7% 43 - PDF
Microfinance 1-Year Loan Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001131
AMPL000131
Arman41,500529,107,0001131
Arohan43,5008,091,0002131
ASA INDIA164,00015,380,0001131
Asirvad113,50019,328,0001131
Asmitha1,114,800217,867,0001131
Bandhan4,048,600674,564,0005131
Belstar123,00023,945,0002110
BSFL275,20031,590,0003131
Chaitanya20,7003,748,0003131
Disha Microfin69,00014,332,0002131
Equitas1,220,000186,415,0004131
ESAF354,20043,500,0005131
FFSL150,60035,719,0002131
Fusion66,8009,820,0002131
Grama Vidiyal738,200102,101,0001131
Grameen Koota586,60083,555,00015133
Janalakshmi506,000119,077,0002131
L & T Finance399,80037,199,0001131
MFL331,80049,083,0001131
MMFL175,00023,752,0002131
Mpower13,6002,263,0002131
Sahayata000131
Saija24,7004,682,0002131
Samasta45,5004,809,0002131
Satin405,60090,174,0002131
SCCI115,60015,910,0002131
Share2,195,400376,727,0001131
SKS3,409,000355,029,0002131
SMILE360,20056,927,0001131
SNFL9,4001,779,0001131
Sonata Finance158,20022,724,0003133
Spandana533,400147,240,0002131
Suryoday78,60014,713,0003131
SVCL118,20018,886,0001131
Swadhaar92,80017,166,0003131
Trident68,7008,852,0001131
Ujjivan913,300160,848,0005131
Utkarsh168,60025,915,0003131
VFS175,40019,264,0002131
Asomi50,3004,743,0002164
AES India3,600286,0001164
Arth2,900611,0002164
Asomi50,3004,743,0002164
Barasat GS1,10099,508.021164
BJS6,000468,0001164
Cashpor417,00050,452,0001163
Credible10,0001,669,540.362164
DIBAKAR1,800145,0001163
GOF65,2005,388,0004163
Hope62,6004,407,0001161
Jaago2,700237,0001162
LOK4,900573,0001163
Nano25,6003,660,0002164
NBSAAVS28,1002,821,0001161
Nirantara8,200917,0002163
Parama7,100482,0001163
Pragathi26,2004,579,0006163
PWMACS36,5005,946,0001163
Saadhana90,90012,046,0002163
Sambhav1,500183,0003163
Seba Rahara6,700468,0001163
SU61,1005,498,0001163
Swayanshree7,900918,0002163
Vikas Samiti1,600168,0001163
Vistaar4,3001,157,0002161
We The People1,100244,0002163
WEMCS1,10085,0001163
Yukti1,10099,0002163
Caps / Zoom options
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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