| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1996 |
| Head of Institution | |
| Regions active | |
| # Branches | 11 |
| Total Portfolio (nat'l) | ZMK 8,200,000,000 |
| Total Portfolio (USD) | USD 1,584,541.06 |
| Active clients with loans | 14,300 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMIZ, AFRACA, INAFI |
| Funders | UNDP, IFAD (International Fund for Agricultural Development) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equipment Loan | ZMK 2,000,000 - 50,000,000 | 12 - 36 | 20% - 40% | 40% - 60% | Business, Farmining business for throughout the year | Women, Men, Must have a farm holding and source of water throughout the year | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual SME Loan | ZMK 1,000,000 - 10,000,000 | 3 - 12 | 40% - 60% | 60% - 80% | Business, Consumer | Women, Men, Have business, Salaried worker, Either run a business or be salaried | Credit Educ, Group Mtgs, Business Training | |||||||
| Twende Loan | ZMK 400,000 - 7,000,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business, Start a business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Savings , Education on HIV/AIDS, Gender, and Environment | |||||||
| Dairy Loan | ZMK 500,000 - 25,000,000 | 6 - 24 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business, Be in a business or start one; belong to a dairy cooperative | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equipment Loan | 25.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 28.1% - 28.5% | 30.4% - 30.8% | 81 | ||||||||
| Individual SME Loan | 60.0%-72.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 67.6% - 70% | 72.2% - 74.7% | 82 | ||||||||
| Twende Loan | 60.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 15,000.00 upfront 6,000.00 ongoing | 60.2% - 63.2% | 65.3% - 82.4% | 86 | ||||||||
| Dairy Loan | 30.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 59% - 59.8% | 63.5% - 64.4% | 47 |
| Outstanding portfolio (UGX) | UGX 495,400,798 |
| Portfolio (USD) | USD 225,182 |
| Active Clients with Loans | 388 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | 200000 |
| Other (2) | 3000000 |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Key Statistics | |
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| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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