| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.centenarybank.co.ug/ |
| Year established | 1983 |
| Head of Institution | Fabian Kasi |
| Regions active | 0 |
| # Branches | 38 |
| Total Portfolio (nat'l) | UGX 395,191,000,000 |
| Total Portfolio (USD) | USD 179,632,199.60 |
| Active clients with loans | 111,035 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Institution Type | Cooperative |
| Is this institution regulated? | N/A |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Anthony Mtali Ngwira |
| Regions active | 0 |
| # Branches | 4 |
| Total Portfolio (nat'l) | MWK 615,884,079 |
| Total Portfolio (USD) | USD 4,105,893.86 |
| Active clients with loans | 33,228 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Malawi Union of Savings and Credit Cooperations (MUSCCO), Malawi Microfinance Network (MAMN) |
| Funders | HIVOS, CORDAID |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement Loan | UGX 100,000 - 30,000,000 | 6 - 24 | 20% - 40% | 20% - 40% | ||||||||||
| Micro Business Loan | UGX 100,000 - 5,000,000 | 3 - 24 | 20% - 40% | 20% - 40% | ||||||||||
| Salary Loan | UGX 100,000 - 5,000,000 | 3 - 24 | 20% - 40% | 40% - 60% | ||||||||||
| Small Business Loan | UGX 5,100,000 - 15,000,000 | 6 - 24 | 20% - 40% | 20% - 40% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mpamba (Individual Business Loan) | MWK 10,000 - 1,500,000 | 2 - 12 | 40% - 60% | 20% - 40% | ||||||||||
| Mwai wa Mayi (Female Group Loan) | MWK 10,000 - 100,000 | 2 - 8 | 80% - 100% | 20% - 40% | ||||||||||
| Phindu (Group Business) | MWK 10,000 - 250,000 | 3 - 12 | 20% - 40% | 20% - 40% | ||||||||||
| Pompopompo (Emergency Loan) | MWK 1,120 - 30,000 | 2 - 5 | 20% - 40% | 60% - 80% | ||||||||||
| Uchikumbe (Agriculture Loan) | MWK 7,500 - 200,000 | 4 - 10 | 20% - 40% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement Loan | 21.96%-27.96% annual, Decl Bal | 1 Fee | 1 Ins | N/A | 0% | 0% | ||||||||||
| Micro Business Loan | 21.96%-45.96% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 0% | 0% | ||||||||||
| Salary Loan | 18.96%-34.56% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 0% | 0% | ||||||||||
| Small Business Loan | 21.96%-45.96% annual, Decl Bal | 0 Fees | 1 Ins | N/A | 0% | 0% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mpamba (Individual Business Loan) | 32.00% annual, Flat | 1 Fee | 0 Ins | N/A | 0% - 66.6% | 66.8% - 77% | ||||||||||
| Mwai wa Mayi (Female Group Loan) | 36.00% annual, Flat | 1 Fee | 0 Ins | N/A | 63.9% - 65.7% | 71.8% - 73.8% | ||||||||||
| Phindu (Group Business) | 30.00% annual, Flat | 2 Fees | 0 Ins | N/A | 0% - 65.4% | 67.1% - 75.8% | ||||||||||
| Pompopompo (Emergency Loan) | 36.00% annual, Flat | 1 Fee | 0 Ins | N/A | 72.1% - 75.6% | 85.6% - 89.8% | ||||||||||
| Uchikumbe (Agriculture Loan) | 32.00% annual, Flat | 2 Fees | 0 Ins | N/A | 62.4% - 62.8% | 68.4% - 69.4% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement Loan | 21.96%-27.96% annual, Decl Bal | 1 Fee | 1 Ins Ins | N/A | 0% | 0% | ||||||||||
| Micro Business Loan | 21.96%-45.96% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 0% | 0% | ||||||||||
| Salary Loan | 18.96%-34.56% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 0% | 0% | ||||||||||
| Small Business Loan | 21.96%-45.96% annual, Decl Bal | 0 Fees | 1 Ins Ins | N/A | 0% | 0% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mpamba (Individual Business Loan) | 32.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 0% - 66.6% | 66.8% - 77% | ||||||||||
| Mwai wa Mayi (Female Group Loan) | 36.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 63.9% - 65.7% | 71.8% - 73.8% | ||||||||||
| Phindu (Group Business) | 30.00% annual, Flat | 2 Fees | 0 Ins Ins | N/A | 0% - 65.4% | 67.1% - 75.8% | ||||||||||
| Pompopompo (Emergency Loan) | 36.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 72.1% - 75.6% | 85.6% - 89.8% | ||||||||||
| Uchikumbe (Agriculture Loan) | 32.00% annual, Flat | 2 Fees | 0 Ins Ins | N/A | 62.4% - 62.8% | 68.4% - 69.4% |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
