2. SAO
Please note that the information you are viewing is 138 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AccessBank
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

SAO - Kampala SACCO KalrweKampala, Central RegionPO Box 36809
Data approved: 2012-11-22
Data version: 2
Age of data: 138 months
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Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2012-04-24
Data version: 2
Age of data: 170 months
Choose version

Product

Business Loan Product 1 of 1 « Prev | Next »

Product

Micro standard loan (USD) Product 2 of 4 « Prev | Next »

Product Summary

Number borrowers204
Loan Amount (range)UGX 100,000 - 7,000,000
Loan Term (range)4 - 12
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method30.00% annual, Flat
Fees2 fees
Insurance1.00% upfront
TaxNone
Comp Dep20.00% upfront
Range of pricing 
Interest Price Component43.3% - 50.5%
Fee Component4.2% - 16.3%
Insurance Component2.1% - 5.1%
Tax Component Range0
Full APR (int fee ins tax dep)81.7% - 95.6%
Transparency Index (min/max)31 - 37
Transparency Index (average)34

Product Summary

15,218
USD 100 - 20,000
1 - 36
27.0%-33.0% annual, Decl Bal
1.00%-2.00% upfront
None
None
N/A
 
N/A
33.5% (Int+Fee)
0
0
33.5%
61 - 81
81

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 156,918,900
Portfolio (USD)USD 62,768
Active Clients with Loans204
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Loan for trade and business expansion.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
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 institution1
# Regions for this product1
Regions ActiveCentral

Product Details

Key Statistics
Outstanding portfolio (USD)USD 63,431,577
Portfolio (USD)USD 63,431,577
Active Clients with Loans15,218
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan size: up to USD 20 000; maturity: up to 36 months. A wide range of collateral (should be combined). Loans are offered both in foreign and local currency. Loan processing procedure takes about 1-2 days.
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 land
Must be a salaried worker
Must be specific age group
OtherCombined collateral
Other (2)Regular stable income
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size7,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00040%
UGX 1,000,000-5,000,00030%
UGX 5,000,000-7,500,00030%
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months90%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months5%
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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage10%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeLoan Application Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min03,000
Fixed amount - max03,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit 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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest2.75%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, credit history
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min1.00%
% 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
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
Additional Comments
N/A

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUGX 200,000UGX 600,000UGX 1,500,000UGX 300,000UGX 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known0
Disbursement Date2012-08-162012-07-172012-08-062012-08-032012-02-01
Loan Term (Months)4.1 months6.0 months10.0 months4.0 months12.0 months
Grace Period (Months)0.3 months0.1 months0.6 months0.1 months0.0 months
Total Cost of CreditUGX 29,000UGX 111,000UGX 423,000UGX 42,000UGX 2,313,000
True Price by Comp         
Interest price component43.3%47.4%49.2%46.4%50.5%
Fee Component16.3%8.8%5.0%15.0%4.2%
Insurance Component4.8%3.6%2.4%5.1%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component26.0%26.7%25.1%29.1%25.5%
Full APR (int fee ins tax dep)90.4%86.5%81.7%95.6%82.3%
Transparency Index3335373136
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Micro standard loan (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 800USD 1,600USD 3,000USD 6,000USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-012011-09-052011-09-052011-09-052011-09-052011-09-19
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component33.5%33.5%33.5%33.5%33.5%33.5%
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)33.5%33.5%33.5%33.5%33.5%33.5%
Transparency Index818181818181
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Business Loan Price Graphs


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Micro standard loan (USD) Price Graphs


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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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