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Institution

Vision Fund Uganda Plot 256, Block 28, Bombo RoadMakerere-KavuleKampala, CentralPO Box 24751
Data approved: 2012-10-04
Data version: 2
Age of data: 110 months

Product

Business Individual loan Product 1 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 3,046,522,739
Portfolio (USD)USD 1,218,609
Active Clients with Loans2,940
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individuals requiring bigger sums of money and have collateral as security meant for purchase of assets or access to larger working capital
Loan Purpose
Any purpose
Income generationx
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
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, Northern

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size10,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00020%
UGX 5,000,000-7,500,00020%
UGX 7,500,000-10,000,00020%
UGX 10,000,000-13,000,00020%
Greater than UGX 13,000,00020%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months40%
Between 10 and 12 months30%
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
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% 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?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

Business Individual loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 800,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 9,000,000
Loan Cycle (1, 2, 3, etc)31111
Disbursement Date2012-08-092012-08-022012-09-102012-04-302012-07-19
Loan Term (Months)10.0 months10.0 months12.0 months12.0 months12.0 months
Grace Period (Months)1.1 months1.1 months1.0 month1.2 months1.1 months
Total Cost of CreditUGX 264,000UGX 495,000UGX 1,170,000UGX 2,340,000UGX 3,510,000
True Price by Comp         
Interest price component59.1%59.1%59.5%57.0%59.1%
Fee Component4.8%4.8%4.1%4.0%4.1%
Insurance Component2.4%2.4%2.1%2.0%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component19.8%19.8%19.3%18.1%19.1%
Full APR (int fee ins tax dep)86.1%86.1%85.0%81.1%84.4%
Transparency Index4242424443
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Individual loan Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
APAS320128,0002129
BRAC-UGA139,20028,254,000386
Centenary Bank133,802221,144,2314110
EBO SACCO1,5001,240,3822110
Equity Bank13,06957,252,0040110
Finance Trust22,55517,520,4245110
FINCA-UGA56,30027,402,000484
Five Talents5,365368,0572110
Gatsby1,3462,440,2362110
Habitat Uganda858265,5081110
Hofokam20,9084,793,2006110
KACITA15660,3181110
Madfa SACCO4,832288,6745110
Opportunity23,73413,560,84613110
RUCREF5,557898,3804129
Rushere SACCO983574,5492110
SAO20462,7681110
Silver Upholders2,111189,1894110
THPU6,528676,3911110
UGAFODE8,1974,720,4469110
VF Uganda13,0723,221,6755110
Wakiso513276,0001110
Y-SAVE2081,686,4851110
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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