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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda
Data approved: 2012-11-14
Data version: 2
Age of data: 106 months

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 81 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.ugafode.co.ug/
Year established1995
Head of InstitutionTwamuhabwa Wilson
Regions activeCentral, Western
# Branches12

Total Portfolio (nat'l)UGX 11,801,115,327
Total Portfolio (USD)USD 4,720,446.13
Active clients with loans8,197
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU
FundersOikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.viator-az.com
Year established1998
Head of InstitutionAbraham Vencent Asgapo
Regions activeGanja-Qazakh, Shaki-Zaqatala
# Branches6

Total Portfolio (nat'l)AZN 15,994,615
Total Portfolio (USD)USD 20,505,916.67
Active clients with loans19,567
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAMFA (Azerbaijan MicroFinance Assosiation), MIX Market, MFC (Microfinance Center)
FundersIncofin Investment Management, Grameen Credit Agricole Foundation, ConCap, Symbiotics

Loan Products » Summary

1,452 Borrowers
USD 809,842 Portfolio
Active Product
358 Borrowers
USD 308,906 Portfolio
Active Product
274 Borrowers
USD 148,296 Portfolio
Active Product
2,929 Borrowers
USD 1,264,046 Portfolio
Active Product
202 Borrowers
USD 311,664 Portfolio
Active Product
205 Borrowers
USD 1,004,977 Portfolio
Active Product
158 Borrowers
USD 309,496 Portfolio
Active Product
126 Borrowers
USD 38,589 Portfolio
Active Product
2,360 Borrowers
USD 340,558 Portfolio
Active Product

Loan Products » Summary

11,415 Borrowers
USD 11,090,106.41 Portfolio
Active Product
2,163 Borrowers
USD 2,008,711.54 Portfolio
Active Product
74 Borrowers
USD 273,860.26 Portfolio
Active Product
473 Borrowers
USD 535,276.92 Portfolio
Active Product
272 Borrowers
USD 567,274 Portfolio
Active Product
4,771 Borrowers
USD 4,967,337 Portfolio
Active Product
187 Borrowers
USD 758,087 Portfolio
Active Product
212 Borrowers
USD 268,252 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan UGX 100,000 - 23,000,000 3 - 36 0% - 20% 0% - 20% Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc. Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required Credit Ins
Asset Acquisition Loan UGX 100,000 - 10,000,000 3 - 36 0% - 20% 40% - 60% Consumer, Other, Acquire Business or Personal Assets Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security Credit Ins
Flexible Housing Loan UGX 200,000 - 3,000,000 3 - 24 0% - 20% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Business Individual Loan UGX 100,000 - 5,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business, Business must least 3 months old, Must have security. Credit Ins
Micro Mortgage Loan UGX 500,000 - 23,000,000 3 - 36 20% - 40% 20% - 40% Housing, Other, Land acquisition Women, Men, Have business, Salaried worker Credit Ins
Small & Medium Enterprise Loan UGX 10,000,000 - 23,000,000 3 - 36 20% - 40% 40% - 60% Business, Other, Business Assets, Construction Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title Credit Ins
Small Business Loan UGX 5,000,000 - 10,000,000 3 - 24 20% - 40% 40% - 60% Business, Other, Acquire Business Assets Women, Men, Have business, Fixed Security, i.e. land required Credit Ins
School Fees Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 20% - 40% Education Women, Men, Have business, Salaried worker Credit Ins
Micro Business Group Loan UGX 100,000 - 5,000,000 3 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan AZN 300 - 6,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan AZN 300 - 3,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Agricultural Loan USD USD 400 - 8,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan USD USD 400 - 4,000 3 - 18 40% - 60% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.7% - 34.4% 35.3% - 36.4% 80
Micro-Business Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 34.5% - 34.6% 36.5% - 36.6% 79
Small Enterprise Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Social Business Loan 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89
Agricultural Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.4% 34.9% 83
Micro-Business Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.5% - 34.7% 34.9% - 36.7% 80
Small Enterprise Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 32.6% 34% 85
Social Business Loan USD 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 40.5% - 46.5% 42.2% - 49.7% 65
Asset Acquisition Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 54.9% - 65% 56.7% - 68.7% 50
Flexible Housing Loan 24.00% annual, Flat 2 Fees 1 Ins Ins None N/A 59.6% - 63.9% 60.8% - 65.9% 37
Micro Business Individual Loan 36.00% annual, Flat 2 Fees 1 Ins Ins None N/A 63.1% - 69.9% 65.2% - 73.1% 52
Micro Mortgage Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 31.1% - 35.5% 32.3% - 37.9% 86
Small & Medium Enterprise Loan 30.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 28.3% - 33.8% 31.3% - 35.5% 88
Small Business Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 55% - 55.1% 56.7% - 56.9% 52
School Fees Loan 30.00% annual, Flat 2 Fees 1 Ins Ins None N/A 57.7% - 73.5% 60.8% - 78% 45
Micro Business Group Loan 36.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 65.7% - 80.6% 80.2% - 99.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.7% - 34.4% 35.3% - 36.4% 80
Micro-Business Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 34.5% - 34.6% 36.5% - 36.6% 79
Small Enterprise Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Social Business Loan 28.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 31.1% 32.5% 89
Agricultural Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.4% 34.9% 83
Micro-Business Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.5% - 34.7% 34.9% - 36.7% 80
Small Enterprise Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 32.6% 34% 85
Social Business Loan USD 28.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 31.1% 32.5% 89
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