Institution # Borrowers Portfolio (US$) Products Age of Data
Banco Solidario79,700221,716,0001170
CEPESIU2,000939,0004170
COAC 4 Octubre2,2005,771,0002170
COAC Ambato1,30016,415,0002170
COAC FondVida2,5004,200,0004170
COAC LaBenefica2,5008,482,0006170
COAC MCCH5,30010,020,0002170
COAC Nacional30,70027,129,0002170
COAC San José10,40029,133,0005170
COAC SanAntonio1,0002,384,0003170
COAC SantaAnita2,0002,532,0006170
Codesarrollo14,40040,328,0007170
Coop San Miguel1,8004,754,0005167
CooP VPR7001,052,0004170
Cooprogreso7,90032,244,0004170
Credi Fe100,900380,039,0004170
D^Miro36,90027,692,0009163
DECOF2,200705,0002170
Espoir62,10021,036,0005170
FODEMI28,20012,924,0003170
Fundacion Alternativa4,3005,545,0002170
FUNDAMIC2,0001,468,0002170
INSOTEC7,0006,047,0004170
Luz del Valle6,40011,300,0003170
ProCredit43,800211,941,0002170
PS Ambato5,6002,771,0001170
  2. SISDO
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 141 months
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Product

School Fees Loan Product 6 of 11 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,499,842.73
Portfolio (USD)USD 42,268.63
Active Clients with Loans214
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Targeted towards existing clients who have schoolchildren.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Nairobi, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 3,000
Maximum loan size100,000
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 average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
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 interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid0.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

School Fees Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 25,000KES 40,000KES 99,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-242013-07-102013-05-082013-02-11
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditKES 2,300KES 5,750KES 9,200KES 22,770
True Price by Comp       
Interest price component35.6%35.6%35.6%35.6%
Fee Component2.0%2.0%2.0%2.0%
Insurance Component4.1%4.1%4.1%4.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component71.7%37.2%30.6%24.8%
Full APR (int fee ins tax dep)113.4%78.9%72.3%66.5%
Transparency Index18252830
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
School Fees Loan Price Graphs


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Key Statistics
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# 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
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