2. Y-SAVE
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. FINCA
Please note that the information you are viewing is 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Y-Save Cooperative Savings and Credit Society Ltd. Block 661 Flat EBuganda Road FlatsKampala, CentralPO Box 37191
Data approved: 2012-11-06
Data version: 2
Age of data: 138 months
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Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2012-04-10
Data version: 2
Age of data: -   months 
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Product

Developmental Loan Product 1 of 1 « Prev | Next »

Product

Solidarity Credit Group (AZN) Product 7 of 8 « Prev | Next »

Product Summary

Number borrowers208
Loan Amount (range)UGX 200,000 - 30,000,000
Loan Term (range)1 - 60
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Other Training, Financial management training
Annual Interest & Method18.00% annual, Decl Bal
Fees50,000 upfront
Insurance0.00%-1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component17.8% - 17.9%
Fee Component0.7% - 51.2%
Insurance Component1.0% - 5.5%
Tax Component Range0
Full APR (int fee ins tax dep)19.8% - 74.5%
Transparency Index (min/max)24 - 91
Transparency Index (average)56

Product Summary

17,097
AZN 50 - 2,000
4 - 12
36.0%-39.0% annual, Decl Bal
4.00% upfront
None
None
N/A
 
N/A
44.8% - 47.9% (Int+Fee)
0
0
44.8% - 47.9%
70 - 91
76

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 4,216,212,589
Portfolio (USD)USD 1,686,485
Active Clients with Loans208
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are given to members who want to develop themselves in the area of enhancing educational level, acquiring assets and improving existing businesses
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherFinancial management training
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 (AZN)AZN 12,996,195
Portfolio (USD)USD 16,661,788.46
Active Clients with Loans17,097
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
A loan for group borrowers living in urban areas and engaged in trade, services and production.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
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 landx
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 institution8
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 200,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00010%
UGX 1,000,000-5,000,00010%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 50
Maximum loan size2,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00050%
AZN 1,000-5,00050%
AZN 5,000-8,0000
AZN 8,000-11,0000
AZN 11,000-14,0000
Greater than AZN 14,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average11.5 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 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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50,000
Fixed amount - max50,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationApplies to loans between 500,000 - 20,000,000
Appears on Repayment Sched?No
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

Pricing Information

Interest
Lowest quoted nominal interest36.00%
Highest quoted nominal interest39.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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

Full Pricing Data

Developmental Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 500,000UGX 694,923UGX 2,999,996UGX 3,700,000UGX 5,400,000UGX 9,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-03-122012-06-122012-03-122012-08-122012-03-122012-06-12
Loan Term (Months)4.1 months12.0 months11.0 months22.0 months24.0 months18.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 73,890UGX 126,552.23UGX 356,695.96UGX 758,450UGX 1,174,164UGX 1,476,537
True Price by Comp           
Interest price component17.8%17.8%17.8%17.9%17.8%17.9%
Fee Component51.2%14.4%3.4%1.5%1.0%0.7%
Insurance Component5.5%2.1%2.1%1.1%1.0%1.3%
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)74.5%34.3%23.3%20.5%19.8%19.9%
Transparency Index245377889190
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Solidarity Credit Group (AZN) samples
Sample 1Sample 2Sample 3
Loan AmountAZN 300AZN 800AZN 1,500
Loan Cycle (1, 2, 3, etc)145
Disbursement Date2011-09-232011-09-082011-09-23
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component47.9%47.9%44.8%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)47.9%47.9%44.8%
Transparency Index757580
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Developmental Loan Price Graphs


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Solidarity Credit Group (AZN) 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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X Axis
Greater than:
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Total Borrowers of Samples

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