Opportunity Uganda Ltd - Agriculture Loan - Group - MFTransparency.org Truth In Lending Tables

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Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513

Data approved: 2012-10-04

Data version: 2

Age of data: 137 months

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Product

Agriculture Loan - Group Product 5 of 16 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (UGX)	UGX 3,079,582,537
Portfolio (USD)	USD 1,184,454.82
Active Clients with Loans	1,298
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	40% - 60%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Agriculture Loan - Group is designed specifically for financing agricultural production and value chain activities.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	3
# Regions for this product	3
Regions Active	Central, Eastern, Western

Loan Conditions

Loan Amount

Currency	UGX
Minimum loan size	UGX 100,000
Maximum loan size	15,000,000

Distribution at Disbursement (Est.)

Loans less than UGX 1,000,000	50%
UGX 1,000,000-5,000,000	50%
UGX 5,000,000-7,500,000	0
UGX 7,500,000-10,000,000	0
UGX 10,000,000-13,000,000	0
Greater than UGX 13,000,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	18.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	20%
Between 7 and 9 months	20%
Between 10 and 12 months	20%
Between 13 and 18 months	20%
Longer than 18 months	20%

Grace Period

Grace period usage	10%
Average grace period	3.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	27.00%
Highest quoted nominal interest	30.00%
Reason(s) why interest rate varies	Loan Size
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Loan Processing Fee	Loan Application Fee
% of loan amount - min	2.00%	0
% of loan amount - max	2.00%	0
OR, Fixed amount - min	0	5,000
Fixed amount - max	0	10,000
Reason for variation	N/A	5000 for loan up to 2M & 10,000 for loans over 2M
Appears on Repayment Sched?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	1.10%
% of loan amount - max	1.10%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Final Pmt

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Agriculture Loan - Group samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	UGX 500,000	UGX 750,000	UGX 2,000,000	UGX 5,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-01-18	2013-03-19	2013-06-28	2013-04-03
Loan Term (Months)	4.0 months	7.0 months	8.0 months	16.0 months
Grace Period (Months)	0.0 months	6.0 months	8.2 months	15.6 months
Total Cost of Credit	UGX 69,500	UGX 160,250	UGX 604,538	UGX 2,650,000
True Price by Comp
Interest price component	46.4%	28.2%	35.6%	31.5%
Fee Component	15.2%	4.7%	3.4%	1.8%
Insurance Component	5.2%	1.8%	1.5%	0.8%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	19.8%	5.7%	6.4%	4.9%
Full APR (int fee ins tax dep)	86.6%	40.4%	46.9%	39.0%
Transparency Index	31	67	58	69

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Agriculture Loan - Group Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	151
AJDFI	13,100	884,000	6	151
ARDCI	44,600	9,403,000	1	151
ASA Philippines	333,400	29,282,000	1	151
ASHI	35,400	5,231,000	6	151
ASKI	60,000	15,247,000	4	151
Bangko Kabayan	8,900	2,373,000	2	151
BSEI	600	73,000	2	151
CBI	8,100	2,010,000	5	151
CCT	70,300	9,504,000	4	151
CEV	35,400	5,111,000	4	151
DSPI	59,300	3,676,000	3	151
ECLOF	5,400	1,836,000	4	151
FCB	12,000	2,392,000	2	151
FMB	2,700	710,000	2	151
GM Bank	23,500	1,553,000	3	151
HSPFI	19,100	1,899,000	2	151
JVOFI	1,300	281,000	1	151
Katipunan Bank	42,100	5,325,000	2	151
KDCI	20,500	2,095,000	3	151
KGI	32,300	3,421,000	4	151
KMBI	245,000	15,098,000	1	151
LTMPC	37,400	8,935,000	3	151
Mallig Plains	6,500	641,000	2	151
MILAMDEC	29,800	3,278,000	2	151
MWIMPC	11,800	1,740,000	4	150
NWTF	105,500	12,698,000	5	151
OFMPC	4,400	964,000	1	151
PBC	50,700	10,434,000	4	151
PCSD	700	167,000	1	151
PMPC	23,500	5,565,000	8	151
RB Angeles	900	1,502,000	2	151
RB Labason	500	289,000	1	151
RBLI	5,200	1,026,000	2	151
RBMI	11,900	1,750,000	2	151
RMB	100	173,000	1	151
RSPI	39,600	2,834,000	4	151
SAFRAGEMC	1,100	229,000	1	151
Salve	10,900	1,191,000	3	151
SEDP	27,000	3,914,000	3	151
TSKI	212,900	25,187,000	2	151
TSPI	264,500	31,290,000	7	151
Valient	1,700	672,000	2	151

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

	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
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Agriculture Loan - Group samples

Agriculture Loan - Group Price Graphs

Total Borrowers of Samples

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