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

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Income: Interest earned from loans Loan processing fee Last Financial Year Before External Funds Period Ending: Entrance, ledger fee, other income Interest earned on bank deposit Total Income Less Cost of Funds: Interest paid on savings/deposits Total Cost of Funds Total Income Less Cost of Funds Expenses: Salaries All other operating expenses Total Expenses Income Over/Under Expenses Less provision for bad debt Operating Profit/Loss Less dividend paid to members Remaining The Effects of Wholesale Lending to SACCOs in Uganda 4. Income Statement Income: Interest earned from loans Loan processing fee Entrance, ledger fee, other income Interest earned on bank deposit Total Income Less Cost of Funds: Interest paid on savings/deposits Total Cost of Funds Total Income Less Cost of Funds Expenses: Salaries All other operating expenses Total Expenses Income Over/Under Expenses Less provision for bad debt Operating Profit/Loss Less dividend paid to members Remaining Current Period Ending: 57
APPENDIX VIII: BUNYARUGURU SACCO GROWTH GRAPH Amount (UGX) 45000000 40000000 35000000 30000000 25000000 20000000 15000000 10000000 5000000 0 The Effects of Wholesale Lending to SACCOs in Uganda Bunyaruguru SACCO Growth Over Two Years After Accessing Wholesale Loan Injection of Wholesale Loan 2002 2003 2004 Total Assets Total Savings Total Loan Balance Share Capital Total Loan Balance Total Savings Member Shares Total Assets 58
Page 1 and 2:
The Effects of Wholesale Lending to
Page 3 and 4:
© Financial Sector Deepening Proje
Page 5 and 6:
LIST OF ABBREVIATIONS ADF African D
Page 7 and 8: SUMMARY This report presents the re
Page 9 and 10: MSC receives funding for its projec
Page 11 and 12: Uganda. In early 2006, FSDU circula
Page 13 and 14: epresent four rural regions of Ugan
Page 15 and 16: The data collection instruments are
Page 17 and 18: FINDINGS The findings presented in
Page 19 and 20: At the time of SACCO selection, Buz
Page 21 and 22: more shares every time they apply f
Page 23 and 24: Panyimur SACCO has offered, and con
Page 25 and 26: in 2006. ZEU SACCO is focusing on r
Page 27 and 28: MEMBER PERCEPTIONS These findings r
Page 29 and 30: some members improved their repayme
Page 31 and 32: Total Outstanding Loan Balance Only
Page 33 and 34: Bugongi SACCO, on the other hand, s
Page 35 and 36: purchase additional shares for ever
Page 37 and 38: Focused Community SACCO attributes
Page 39 and 40: produce regular performance reports
Page 41 and 42: committees now successfully coordin
Page 43 and 44: 7) Effective Expense Control. A SAC
Page 45 and 46: APPENDIX II: STEERING COMMITTEE MEM
Page 47 and 48: Fred E.G. Mwesigye Commissioner for
Page 49 and 50: APPENDIX IV: INTERVIEW GUIDE - SACC
Page 51 and 52: APPENDIX V: INTERVIEW GUIDE - SACCO
Page 53 and 54: APPENDIX VI: INTERVIEW GUIDE - SACC
Page 55 and 56: APPENDIX VII: INTERVIEW GUIDE - SAC
Page 57: Balance Sheet: Assets Loans to memb
Page 61 and 62: APPENDIX X: KAJARA PEOPLE’S SACCO
Page 63: AMFIU Association of Micro Finance
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