2. THPU
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. EBO SACCO
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

Institution

The Hunger Project Uganda Kisozi House NakaseroKampalaP.O Box 26393
Data approved: 2012-10-11
Data version: 2
Age of data: 137 months
Choose version

Institution

Ebirungi Birugomutuutu Savings & Credit Co-operative Society Ltd BwizibweraKashaariMbarara, Western-UgandaPO Box 384 MBA
Data approved: 2012-07-02
Data version: 2
Age of data: 137 months
Choose version

Product

Group Lending Product 1 of 1 « Prev | Next »

Product

Banana Improvement Loan Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers6,528
Loan Amount (range)UGX 100,000 - 1,200,000
Loan Term (range)10
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method20.00% annual, Flat
FeesNone
Insurance1.00% upfront
TaxNone
Comp Dep10.00% upfront
Range of pricing 
Interest Price Component40.6% - 41.0%
Fee Component0
Insurance Component2.3%
Tax Component Range0
Full APR (int fee ins tax dep)51.5% - 52.1%
Transparency Index (min/max)38 - 39
Transparency Index (average)38

Product Summary

126
UGX 100,000 - 5,000,000
4 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
34.00%-36.00% annual, Decl Bal
2 fees
1.00% upfront
None
10.00% upfront
 
35.3% - 41.1%
3.4% - 6.0%
1.9% - 3.3%
0
49.8% - 55.4%
61 - 72
65

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 1,690,978,371
Portfolio (USD)USD 676,391
Active Clients with Loans6,528
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Clients form groups of 10-15 members to access credit
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
OtherCommunity Member
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveCentral, Eastern, Western

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 235,943,570
Portfolio (USD)USD 94,377
Active Clients with Loans126
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
For low income earners who have no access to formal financial sector. Uses declining balance interest rate method. Loan processing does not exceed 7 days.
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 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 ActiveWestern

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size1,200,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00070%
UGX 1,000,000-5,000,00030%
UGX 5,000,000-7,500,0000
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 term10.0 months
Longest loan term10.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period2.0 months
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
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size5,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00080%
UGX 5,000,000-7,500,0000
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 average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months50%
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
Weekly
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 interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
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 interest34.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Commitment Fee
% 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 Fees
Fee 1
DescriptionLoan Monitoring Fee
% 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
Upfront Insurance Fees
Ins 1
DescriptionLoan Protection Fund
% 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?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
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 paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Group Lending samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 700,000UGX 800,000UGX 600,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-05-162012-02-172012-04-042012-03-09
Loan Term (Months)10.0 months10.0 months10.0 months10.0 months
Grace Period (Months)1.0 month1.0 month0.0 months1.0 month
Total Cost of CreditUGX 63,000UGX 147,000UGX 168,000UGX 126,000
True Price by Comp       
Interest price component40.6%41.0%40.8%40.6%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component2.3%2.3%2.3%2.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component8.6%8.8%8.8%8.7%
Full APR (int fee ins tax dep)51.5%52.1%51.9%51.6%
Transparency Index39383939
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Banana Improvement Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 350,000UGX 700,000UGX 1,600,000UGX 2,700,000
Loan Cycle (1, 2, 3, etc)1112
Disbursement Date2012-08-022012-08-022012-07-282012-09-02
Loan Term (Months)7.0 months12.0 months12.0 months13.0 months
Grace Period (Months)1.0 month1.0 month1.0 month2.0 months
Total Cost of CreditUGX 52,500UGX 157,500UGX 360,000UGX 769,500
True Price by Comp       
Interest price component35.3%35.4%35.3%41.1%
Fee Component6.0%3.8%4.2%3.4%
Insurance Component3.3%2.1%2.1%1.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component8.8%8.5%8.6%9.0%
Full APR (int fee ins tax dep)53.4%49.8%50.2%55.4%
Transparency Index64686861
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group Lending Price Graphs


Click to view Price Analysis Tool
Banana Improvement Loan Price Graphs


Click to view Price Analysis Tool
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞