Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.ugafode.co.ug/ |
Year established | 1995 |
Head of Institution | Twamuhabwa Wilson |
Regions active | Central, Western |
# Branches | 12 |
Total Portfolio (nat'l) | UGX 11,801,115,327 |
Total Portfolio (USD) | USD 4,720,446.13 |
Active clients with loans | 8,197 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMFIU |
Funders | Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.fbpmc.ma |
Year established | 2000 |
Head of Institution | Mustapha BIDOUJ |
Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab |
# Branches | 361 |
Total Portfolio (nat'l) | MAD 1,592,889,000 |
Total Portfolio (USD) | USD 187,398,705.90 |
Active clients with loans | 217,445 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 0 |
Network affiliations | |
Funders |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Al Intilaka | MAD 3,000 - 20,000 | 6 - 30 | 60% - 80% | 80% - 100% | Business, Financement du fonds de roulement ou d'investissement | Women, Men, Have business, Jouir d'une bonne moralité | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Formation Initiale pour les nouveaux clients | |||||||
Al Mouwakaba | MAD 20,500 - 40,000 | 6 - 48 | 40% - 60% | 80% - 100% | Business, Financement du fond de roulement ou d'investissement | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Attaahil | MAD 40,500 - 50,000 | 6 - 48 | 0% - 20% | 80% - 100% | Business, Financement du fonds de roulement et d'investissement | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Al Karaoui | MAD 3,000 - 50,000 | 6 - 48 | 20% - 40% | 80% - 100% | Business, Financement des besoins en investissement liés à lactivité de lélevage | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Attakaddoum | MAD 10,000 - 50,000 | 6 - 48 | 0% - 20% | 80% - 100% | Business, Financement du Fonds de Roulement ou Investissement | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
Al Fardi | MAD 7,000 - 50,000 | 6 - 48 | 40% - 60% | 80% - 100% | Business, Financement du Fonds de Roulement ou d'investissement | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training, Formation Initiale pour les nouveaux clients | |||||||
Attajhiz Al Hirafi | MAD 7,000 - 50,000 | 6 - 48 | 0% - 20% | 80% - 100% | Business, Financement de l'acquisition de véhicules | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
Attaaounia | MAD 3,000 - 50,000 | 6 - 48 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Al Milkia | MAD 3,000 - 50,000 | 6 - 120 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Al Intilaka | 25.2% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 27.9% - 40.7% | 27.9% - 40.7% | 75 | ||||||||
Al Mouwakaba | 21.6% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 23.2% - 28.5% | 23.2% - 28.5% | 86 | ||||||||
Attaahil | 18.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 19.3% - 23.4% | 19.3% - 23.4% | 86 | ||||||||
Al Karaoui | 31.2% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 33% - 41.5% | 33% - 41.5% | 87 | ||||||||
Attakaddoum | 16.8% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 18% - 20.3% | 18% - 20.3% | 88 | ||||||||
Al Fardi | 26.4% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 28.9% - 33.4% | 28.9% - 33.4% | 86 | ||||||||
Attajhiz Al Hirafi | 16.8% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 19.6% - 24% | 19.6% - 24% | 78 | ||||||||
Attaaounia | 15.6% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 16.7% - 21.8% | 16.7% - 21.8% | 81 | ||||||||
Al Milkia | 12.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 11.2% - 13% | 11.2% - 13% | 96 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Al Intilaka | 25.2% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 27.9% - 40.7% | 27.9% - 40.7% | 75 | ||||||||
Al Mouwakaba | 21.6% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 23.2% - 28.5% | 23.2% - 28.5% | 86 | ||||||||
Attaahil | 18.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 19.3% - 23.4% | 19.3% - 23.4% | 86 | ||||||||
Al Karaoui | 31.2% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 33% - 41.5% | 33% - 41.5% | 87 | ||||||||
Attakaddoum | 16.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 18% - 20.3% | 18% - 20.3% | 88 | ||||||||
Al Fardi | 26.4% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 28.9% - 33.4% | 28.9% - 33.4% | 86 | ||||||||
Attajhiz Al Hirafi | 16.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 19.6% - 24% | 19.6% - 24% | 78 | ||||||||
Attaaounia | 15.6% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 16.7% - 21.8% | 16.7% - 21.8% | 81 | ||||||||
Al Milkia | 12.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 11.2% - 13% | 11.2% - 13% | 96 |
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