2. FINCA-UGA
Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. TPC
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA Uganda Limited Plot 22 Ben Kiwanuka StreetKampalaPO Box 24450
Data approved: 2014-11-19
Data version: 3
Age of data: 111 months
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Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 132 months
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Product

FINCA Business Loan Product 1 of 4 « Prev | Next »

Product

Individual Loan (THB) Product 5 of 15 « Prev | Next »

Product Summary

Number borrowers10,570
Loan Amount (range)UGX 500,000 - 200,000,000
Loan Term (range)3 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method24.0%-36.0% annual, Decl Bal
Fees3.00% upfront 5,000.00 upfront
Insurance0.50% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component27.7% - 68.4%
Fee Component2.2% - 12.5%
Insurance Component0 - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)33.0% - 37.0%
Transparency Index (min/max)59 - 83
Transparency Index (average)68

Product Summary

755
THB 8,000 - 200,000
3 - 24
30.0%-42.0% annual, Decl Bal
5.97-92.00 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
30.2% - 34.6%
68 - 99
93

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 43,336,409,937
Portfolio (USD)USD 17,162,934.63
Active Clients with Loans10,570
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Available to individuals with collateral and titled security. Offered with loan sizes of 500,000 to 60 million. Borrowers have credit insurance for these loans.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Northern, Western, Southern

Product Details

Key Statistics
Outstanding portfolio (THB)THB 23,366,209
Portfolio (USD)USD 792,074.88
Active Clients with Loans755
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets. Target clients are those that have small or medium size businesses requiring loans.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution13
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size200,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,0005%
UGX 1,000,000-5,000,00020%
UGX 5,000,000-7,500,00020%
UGX 7,500,000-10,000,00015%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months20%
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
CurrencyTHB
Minimum loan sizeTHB 8,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00040%
THB 30,000-50,00020%
THB 50,000-70,00020%
THB 70,000-90,0005%
Greater than THB 90,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months50%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSet Up Commission FeeStamp Study
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
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 interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5.97
Fixed amount - max92
Reason for variationCharge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 for loan over 2,000,000 KHR
Appears on Repayment Sched?Yes
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 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

Full Pricing Data

FINCA Business 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 1,000,000 Generated 2015-02-01 18.0 months N/A UGX 278,127.85 35.6% 29.6% 5.2% 0.8% 0.0% 0.0% 67 - PDF
UGX 4,500,000 Generated 2015-02-01 18.0 months N/A UGX 1,162,636.99 33.0% 27.7% 4.5% 0.8% 0.0% 0.0% 73 - PDF
UGX 7,500,000 Generated 2015-02-01 18.0 months N/A UGX 2,053,458.90 34.9% 29.6% 4.6% 0.7% 0.0% 0.0% 69 - PDF
UGX 8,925,000 Generated 2015-02-01 12.1 months N/A UGX 1,772,272.26 37.0% 29.6% 6.3% 1.1% 0.0% 0.0% 65 - PDF
UGX 10,500,000 Generated 2015-02-01 18.0 months N/A UGX 3,039,531.96 36.9% 31.6% 4.5% 0.8% 0.0% 0.0% 65 - PDF
UGX 12,075,000 Generated 2015-02-01 24.1 months N/A UGX 4,212,227.74 33.8% 29.6% 3.6% 0.6% 0.0% 0.0% 71 - PDF
UGX 13,500,000 Generated 2015-02-01 18.0 months N/A UGX 3,692,226.03 34.9% 29.6% 4.5% 0.8% 0.0% 0.0% 69 - PDF

Full Pricing Data

Individual Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 11,000THB 20,000THB 40,000THB 65,000THB 80,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-222013-01-232013-02-152013-02-132013-02-152013-02-11
Loan Term (Months)13.0 months12.0 months19.0 months13.0 months25.0 months18.0 months
Grace Period (Months)0.4 months0.0 months0.6 months0.6 months0.2 months0.0 months
Total Cost of CreditTHB 2,152.97THB 3,774.30THB 11,518.30THB 11,783.30THB 25,822.30THB 24,215.30
True Price by Comp           
Interest price component33.6%33.7%33.6%30.0%30.1%30.1%
Fee Component0.1%0.9%0.3%0.3%0.1%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.7%34.6%33.9%30.3%30.2%30.2%
Transparency Index898788999999
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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