Outstanding portfolio (USD) | USD 433,734 |
Portfolio (USD) | USD 433,734 |
Active Clients with Loans | 111 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Buenos antecedentes personales y crediticios. Actividad económica y financieramente viable. |
Other (2) |
Currency | USD |
Minimum loan size | USD 600 |
Maximum loan size | 12,000 |
Shortest loan term | 12.0 months |
Longest loan term | 60.0 months |
Approx average | 32.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 22.00% |
Highest quoted nominal interest | 30.00% |
Reason(s) why interest rate varies | Loan Size, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | Yes |
Fee 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 0 |
All or some fees taxed | N/A |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 1,000 | USD 2,000 | USD 3,500 | USD 8,000 | USD 12,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-06-02 | 2010-02-16 | 2010-03-20 | 2010-02-15 | 2010-03-05 | ||||
Loan Term (Months) | 24.0 months | 24.0 months | 36.0 months | 36.0 months | 60.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 32.2% | 31.4% | 30.5% | 27.0% | 24.9% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 32.3% | 31.6% | 30.6% | 27.2% | 25.0% | ||||
Transparency Index | 68 | 70 | 72 | 81 | 88 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Action | 0 | 0 | 0 | 145 |
Adok Timo | 4,200 | 570,000 | 4 | 176 |
BIMAS | 11,100 | 4,679,000 | 7 | 145 |
ECLOF Kenya | 20,500 | 5,455,000 | 8 | 145 |
Equity Bank | 135,500 | 94,746,000 | 9 | 145 |
Family Bank | 43,200 | 90,700,000 | 5 | 176 |
Jamii Bora | 2,400 | 3,374,000 | 4 | 145 |
Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 145 |
KADET | 12,900 | 5,402,000 | 4 | 145 |
K-Rep | 0 | 0 | 0 | 145 |
K-Rep Bank | 65,000 | 28,743,000 | 4 | 176 |
KWFT DTM | 294,600 | 165,982,000 | 6 | 145 |
LKL | 13,100 | 9,311,000 | 10 | 137 |
MKL | 18,200 | 5,989,000 | 6 | 121 |
Opportunity Kenya | 9,100 | 4,866,000 | 5 | 145 |
PAWDEP | 40,900 | 7,133,000 | 2 | 145 |
RAFODE | 2,900 | 356,000 | 1 | 145 |
SISDO | 7,300 | 3,657,000 | 11 | 145 |
Yehu | 14,000 | 3,149,000 | 11 | 145 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|