Effects of Wholesale Lending to SACCOs in Uganda - Rural Finance ...

Portfolio
--What lending methodology does the SACCO employ?
--What is the nominal interest rate charged on loans?
--What is the nominal interest rate paid on deposits?
--Method of interest calculation on loans
--Minimum and maximum loan period:
--Minimum and maximum loan sizes:
--Does the SACCO age the portfolio?
--What kind of accounting system does the SACCO have?
--What kind of loan and savings tracking system does the SACCO have?
--How often does the SACCO produce financial statements? What kinds of financial
statements?
--Are the statements audited? How often are statements audited? By whom?
--What are the three economic activities in which most of your members engage?
--What do the majority of your members use loans for? (e.g. Loan purpose)
The External Funds
--Has the SACCO taken external loans? From where? Why?
--How many loans has the SACCO taken?
--Whose idea was it to access outside capital?
--Did the wholesale lender approach the SACCO? Or did the SACCO seek out external
funds?
--Was the idea presented to the board? Members? Manager?
--Did the members vote on this issue? Did the management make the decision? The board?
--What have been the positive effects of the outside capital?
--What have been the negative effects of the outside capital?
--Does the SACCO intend to borrow more external funds?
--Before the SACCO took a loan, how did the SACCO satisfy the demands for loans of its
members? Was the SACCO able to meet all the members’ requests for loans?
--What was the main focus of the SACCO prior to the period when it borrowed external
funds? (credit, savings, other)
--After the loan came in, what was the SACCOs main focus? (credit, savings, other)
--How did the SACCO mobilize savings from its members before the loan?
--Does/did the SACCO mobilize the same level of savings from its members after it took an
external loan?
The Effects of Wholesale Lending to SACCOs in Uganda
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