The initial loan size varies from $44 for FOCCAS clients to $132 for PRIDE clients.
The repayment period for FINCA and FOCCAS loans is 16 weeks.
During the weekly meeting each FOCCAS member deposits ten cents in savings and then publicly announces her voluntary savings for the week, while the group applauds.
At the end of a 16 week cycle, both the principal and interest are returned to FOCCAS.
In Kampala and Mbale, non-clients spent more on enterprise fixed assets ($192 and $25 respectively) than either FINCA clients in Kampala ($128) or FOCCAS clients in Mbale ($20).
A loan from PRIDE, FINCA, OR FOCCAS was used by fewer than 10% of the clients to make these purchases, and there was no discernable difference between first time and repeat borrowers.
In Mbale, FOCCAS clients spent more ($52) than non-clients ($41).
In this sample, the average amount of client loans ranged from $83 for FOCCAS clients in Mbale to $131 for FINCA clients in Kampala.
Kampala FINCA clients and Mbale FOCCAS clients were in varied loan cycles.
FINCA and FOCCAS serve women and hence both the client and non-client samples in Kampala and Mbale are composed solely of women.
Participation in the credit and savings programs of FINCA, PRIDE, and FOCCAS helps to instill financial discipline.
Clients in the FOCCAS microfinance program in Mbale receive instruction in child feeding practices, disease prevention (including AIDS, diarrhea, and malaria), and family planning practices.