Kiruhura Epicenter SACCO (KESACCO)

Leasing of agriculture-related assets, primarily dairy cows.

Product Overview & Scale

  • Fsp NameKiruhura Epicenter SACCO (KESACCO)
  • Fsp ID177993
  • As of Date11/1/15
  • CurrencyUSD
  • Product NameMicroleasing
  • CountryUganda
  • Total Clients Bracket<50,000
  • Product Clients Bracket<10,000
  • Number of Product Clients87
  • Percent of Total Clients that are Product Clients3%
  • Average Loan Size Per Client405
  • Average Loan Size Per Client405

Financial Structure & Pricing

  • loan or product structure is flexibleFALSE
  • repayment structure is flexibleFALSE
  • loan or product term covers growing seasonTRUE
  • loan or product term covers growing season if yes describecovers year-round
  • grace period offeredTRUE
  • grace period offered if yes describeup to 3 months
  • group or individual loanGroup
  • apr0%
  • type of primary insurance productLife/funeral insurance
  • average premium per client in last 12 months for primary insurance product4.05
  • annualized repayment rate of the product95- 98%

Value Chain Support

  • inputs assets services are readily availableTRUE
  • inputs assets services are readily available if yes describeLoan offered as asset. Client identifies asset and supplier.
  • inputs assets services are available at time demanded by clientTRUE
  • inputs assets services available within reasonable distance of clientTRUE
  • inputs assets services are of good qualityFALSE
  • inputs assets services are of good quality if yes describeQuality not guaranteed by KESACCO or suppliers.
  • type of inputs offeredAssets
  • informal management services providedFALSE
  • formal programs in place for post harvest managementFALSE
  • informal linkages exist between clients and buyers producersFALSE
  • formal linkages exist between clients and buyers producersFALSE
  • guaranteed market opportunities exist for clientsFALSE

Training

  • agricultural training available to clientsTRUE
  • agricultural training available to clients if yes describeTraining provided by Swisscontact for microleasing clients on proper use of asset.
  • agricultural training available to clients using formal curriculumTRUE
  • multiple agricultural trainings delivered during product cycleTRUE
  • multiple agricultural trainings delivered during product cycle if yes describeTrainings delivered on average, once per quarter.
  • organization does quality checks on trainingsTRUE
  • organization does quality checks on trainings if yes describeSwisscontact monitors quality of training
  • financial literacy training takes places yes noFALSE
  • classroom theoretical training offered by administering partyTRUE
  • training engages clients in participatory learning with additional materialsTRUE
  • training is offered in a convenient location for clientsTRUE

Measuring Impact

  • regular measurement of farmer yields takes placeFALSE
  • formal measurement with strong control groupFALSE
  • rct or other academic quality work done to verify resultsFALSE
  • measurement of change to profit income or poverty reduction takes placeFALSE
  • using methodical process over time to measure changeFALSE