Please note that the information you are viewing is 173 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 173 months

Product

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Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 8,539,504.59
Portfolio (USD)USD 1,265,111.79
Active Clients with Loans529
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto destinado a promover el desarrollo de actividades del sector Agropecuario, Comercial y Servicios en áreas rurales y urbanas.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherPara capital de Inversiones
Other (2)Para capital de Operaciones
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 400
Maximum loan size300,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average52.0 months
Grace Period
Grace period usage10%
Average grace period12.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest11.00%
Highest quoted nominal interest21.50%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Frecuencia de pago: Bianual

Full Pricing Data

samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 5,000USD 8,820USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-07-052010-03-142010-07-052010-03-09
Loan Term (Months)22.0 months60.0 months26.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.4%23.3%19.2%18.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.2%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)21.5%23.4%19.3%18.5%
Transparency Index51475760
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Data approved: 2013-06-25
Data version: 2
Age of data: 142 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.kadet.co.ke/
Year established2001
Head of InstitutionFidel Okillah
Regions activeCentral, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western
# Branches39

Total Portfolio (nat'l)KES 447,325,485
Total Portfolio (USD)USD 5,402,481.70
Active clients with loans12,923
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

702 Borrowers
USD 484,195.76 Portfolio
Active Product
11,801 Borrowers
USD 4,631,490.66 Portfolio
Active Product
165 Borrowers
USD 102,275.14 Portfolio
Active Product
255 Borrowers
USD 184,520.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan KES 5,000 - 1,000,000 3 - 24 40% - 60% 60% - 80% Agriculture Women, Men Credit Ins, Tech Asst Visits
Business Loan KES 3,000 - 3,000,000 3 - 24 40% - 60% 40% - 60% Any Purpose Women, Men, Have business Credit Ins
School Fees Loan KES 5,000 - 150,000 3 - 12 60% - 80% 40% - 60% Education Women, Men Credit Ins
Asset Loan KES 5,000 - 1,600,000 3 - 12 20% - 40% 60% - 80% Business, Consumer, Other Women, Men Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 25% - 26.1% 35.3% - 40.9% 47
Business Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 35.7% - 47.6% 60.8% - 91.1% 25
School Fees Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None N/A 43.3% - 46.7% 45.8% - 51.1% 37
Asset Loan 18.0%-19.5% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 43.4% - 50.1% 70.6% - 104.4% 21
Institution Price Graph
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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