| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 167 |
| AMK | 288,200 | 63,784,000 | 16 | 139 |
| AMRET | 299,500 | 149,542,000 | 8 | 139 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 119 |
| Farmer Finance | 200 | 407,000 | 1 | 139 |
| First Finance | 500 | 5,819,000 | 1 | 139 |
| HKL | 73,400 | 93,842,000 | 3 | 139 |
| KREDIT | 61,800 | 59,319,000 | 9 | 139 |
| Maxima | 2,900 | 3,179,000 | 3 | 139 |
| PRASAC | 138,500 | 251,931,000 | 9 | 139 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 139 |
| SPN | 35,100 | 29,828,000 | 6 | 139 |
| TPC | 120,000 | 45,931,000 | 13 | 139 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 139 |
| Outstanding portfolio (KES) | KES 3,499,842.73 |
| Portfolio (USD) | USD 42,268.63 |
| Active Clients with Loans | 214 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| 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 | |
| Other (2) |
| # Regions for this institution | 5 |
| # Regions for this product | 5 |
| Regions Active | Central, Eastern, Nairobi, Rift Valley, Western |
| Currency | KES |
| Minimum loan size | KES 3,000 |
| Maximum loan size | 100,000 |
| Loans less than KES 50,000 | 100% |
| KES 50,000-150,000 | 0 |
| KES 150,000-250,000 | 0 |
| KES 250,000-350,000 | 0 |
| KES 350,000-450,000 | 0 |
| Greater than KES 450,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 9.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 0.3 months |
| Daily | |
| Weekly | x |
| 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 | 20.00% |
| Highest quoted nominal interest | 20.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Loan Processing Fee |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Ins 1 | |
|---|---|
| Description | Insurance Fee |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 20.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | KES 100 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 0.50% |
| Maximum interest rate paid | 0.50% |
| Interest payment frequency | End Term |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | KES 10,000 | KES 25,000 | KES 40,000 | KES 99,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2013-06-24 | 2013-07-10 | 2013-05-08 | 2013-02-11 | |||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||
| Grace Period (Months) | 0.2 months | 0.2 months | 0.2 months | 0.2 months | |||
| Total Cost of Credit | KES 2,300 | KES 5,750 | KES 9,200 | KES 22,770 | |||
| True Price by Comp | |||||||
| Interest price component | 35.6% | 35.6% | 35.6% | 35.6% | |||
| Fee Component | 2.0% | 2.0% | 2.0% | 2.0% | |||
| Insurance Component | 4.1% | 4.1% | 4.1% | 4.1% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 71.7% | 37.2% | 30.6% | 24.8% | |||
| Full APR (int fee ins tax dep) | 113.4% | 78.9% | 72.3% | 66.5% | |||
| Transparency Index | 18 | 25 | 28 | 30 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| 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 |
|---|---|---|---|---|---|---|---|
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