2. Hofokam
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
  2. Micro Options
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 137 months
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Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2013-06-01
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionCharles Isingoma
Regions activeWestern
# Branches7

Total Portfolio (nat'l)UGX 11,983,000,000
Total Portfolio (USD)USD 4,745,742.57
Active clients with loans20,908
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsAMFIU, AMT, MFI Upgrading Initiative
FundersTriple Jump, Oikocredit, TRIAS, CRS

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.microoption.org
Year established2009
Head of InstitutionShazia Abbas
Regions activePunjab
# Branches2

Total Portfolio (nat'l)PKR 51,356,249
Total Portfolio (USD)USD 524,043.36
Active clients with loans2,516
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsPunjab Microfinance Network
FundersPakistan Poverty Alleviation Fund, Plan Pakistan/NRSP

Loan Products » Summary

Agriculture
2,506 Borrowers
USD 249,259.05 Portfolio
Active Product
Individual
2,951 Borrowers
USD 1,777,613.89 Portfolio
Active Product
Salary
573 Borrowers
USD 228,537.39 Portfolio
Active Product
Schl Fees
140 Borrowers
USD 127,700.42 Portfolio
Active Product
Sol Grp
1,278 Borrowers
USD 138,744.51 Portfolio
Active Product
Village
9,843 Borrowers
USD 622,744.60 Portfolio
Active Product

Loan Products » Summary

Agriculture
1,000 Borrowers
USD 306,122.45 Portfolio
Active Product
Livestock
516 Borrowers
USD 102,040.82 Portfolio
Active Product
Commerce
1,000 Borrowers
USD 255,102.04 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan UGX 50,000 - 15,000,000 6 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan UGX 500,000 - 10,000,000 6 - 24 20% - 40% 20% - 40% Business, Housing, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Salary Loan UGX 250,000 - 10,000,000 6 - 12 20% - 40% 20% - 40% Housing, Consumer, Education Women, Men, Salaried worker, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
School Fees Loan UGX 700,000 - 1,500,000 6 - 8 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Solidarity Group Loan UGX 200,000 - 500,000 4 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Village Bank Loan UGX 50,000 - 5,000,000 4 - 12 40% - 60% 0% - 20% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PKR 10,000 - 75,000 4 - 8 0% - 20% 0% Agriculture Women, Men, Have business, Specific age group Group Mtgs, Other Training
Livestock Loan PKR 5,000 - 75,000 12 40% - 60% 0% - 20% Any Purpose Women, Men, Specific age group Group Mtgs, Tech Asst Visits, Other Training
Commerce Loan PKR 5,000 - 30,000 12 20% - 40% 60% - 80% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins None N/A 27% - 27.2% 27% - 27.2% N/A
Livestock Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins None N/A 31% - 31.1% 31% - 31.1% N/A
Commerce Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins None N/A 43.9% - 44.2% 43.9% - 44.2% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins Ins None N/A 27% - 27.2% 27% - 27.2% N/A
Livestock Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins Ins None N/A 31% - 31.1% 31% - 31.1% N/A
Commerce Loan 20.0%-22.0% annual, Flat 1 Fee 0 Ins Ins None N/A 43.9% - 44.2% 43.9% - 44.2% N/A
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