2. Codesarrollo
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. LKL
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 170 months

Institution

Letshego Kenya Limited P.O. Box 52926 00200Nairobi, Nairobi
Data approved: 2013-09-18
Data version: 2
Age of data: 133 months
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Product

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Product Summary

Number borrowers2,540
Loan Amount (range)USD 1,000 - 25,000
Loan Term (range)8 - 86
Other Services (text summary)Credit Ins, Seguro de Desgravamen
Annual Interest & Method10.0%-17.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component10.0% - 17.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)10.0% - 17.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)71

Product Summary

202
KES 2,990 - 41,400
3 - 12
Credit Educ, Other Training
20.0% annual, Flat
None
None
None
N/A
 
25.3% - 51.1%
0 - 10.2%
0 - 9.6%
0
34.4% - 35.6%
25 - 163
57

Product Details

Key Statistics
Outstanding portfolio (USD)USD 12,587,370
Portfolio (USD)USD 12,587,370
Active Clients with Loans2,540
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Orientado a financiar la construcción de vivienda rural, urbana, urbana marginal, o la ampliación, terminación y mejoramiento de vivienda rural, urbana y urbana marginal.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherAdquisicion, Construccion, Terminacion de vivienda
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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

Product Details

Key Statistics
Outstanding portfolio (KES)KES 883,321.93
Portfolio (USD)USD 10,668.14
Active Clients with Loans202
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is designed for the puchase of solar products.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution5
# Regions for this product5
Regions ActiveCentral, Coast, Eastern, Nairobi, Rift Valley

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size25,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term86.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 2,990
Maximum loan size41,400
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months50%
Between 7 and 9 months15%
Between 10 and 12 months30%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest17.00%
Reason(s) why interest rate variesCollateral, Loan Purpose, Por la fuente de pago
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
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?No

Pricing Information

Interest
Lowest quoted nominal interest1.67%
Highest quoted nominal interest1.67%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
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?No

Full Pricing Data

Credivivienda samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 1,000USD 2,150USD 4,000USD 8,000USD 12,500USD 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-232010-06-212010-05-212010-05-282010-06-152010-06-28
Loan Term (Months)12.0 months18.0 months36.0 months48.0 months66.0 months84.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component17.0%14.0%17.0%14.0%10.0%14.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.0%14.0%17.0%14.0%10.0%14.0%
Transparency Index5971597110071
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Solar samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 8,625KES 8,625KES 14,375KES 41,400
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-072013-07-312013-07-242013-08-02
Loan Term (Months)9.0 months6.0 months6.0 months12.0 months
Grace Period (Months)0.0 months0.1 months0.1 months0.1 months
Total Cost of CreditKES 1,344.68KES 927.93KES 1,546.54KES 8,509.57
True Price by Comp       
Interest price component35.6%34.4%35.0%35.2%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.6%34.4%35.0%35.2%
Transparency Index56585757
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credivivienda Price Graphs


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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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