2. OISL
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  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

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 139 months
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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

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Product Summary

Number borrowers8,946
Loan Amount (range)GHS 280 - 8,000
Loan Term (range)3 - 8
Other Services (text summary)Credit Educ, Group Mtgs
Annual Interest & Method38.0% annual, Flat
Fees3.50% upfront
Insurance1.00% ongoing
TaxNone
Comp Dep15.0%-20.0% upfront
Range of pricing 
Interest Price Component33.9% - 69.6%
Fee Component2.9% - 24.0%
Insurance Component0.5% - 4.4%
Tax Component Range0
Full APR (int fee ins tax dep)96.6% - 124.1%
Transparency Index (min/max)31 - 88
Transparency Index (average)35

Product Summary

489
KES 50,000 - 300,000
3 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional
22.0% annual, Flat
1.00% upfront
2.00% upfront
None
20.0% upfront 500.00 ongoing
 
28.1% - 38.9%
1.9% - 3.8%
4.0% - 7.6%
0
73.0% - 119.1%
15 - 38
25

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 11,558,085
Portfolio (USD)USD 5,867,048.22
Active Clients with Loans8,946
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Adehye Loan is designed to reward good group clients with a reduced interest rate.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
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
OtherMust be a good group loan client.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region

Product Details

Key Statistics
Outstanding portfolio (KES)KES 54,650,456.25
Portfolio (USD)USD 660,029.66
Active Clients with Loans489
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Targets medium-sized businesses of individuals in groups of 5-10 members.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherOnly working capital
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherHealth Insurance - optional
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
CurrencyGHS
Minimum loan sizeGHS 280
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00020%
GHS 1,000-5,00020%
GHS 5,000-7,50020%
GHS 7,500-10,00040%
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less20%
Between 4 and 6 months50%
Between 7 and 9 months30%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 50,000
Maximum loan size300,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00030%
KES 50,000-150,00070%
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 term24.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months10%
Between 10 and 12 months50%
Between 13 and 18 months10%
Longer than 18 months10%
Grace Period
Grace period usage0
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 interest38.00%
Highest quoted nominal interest38.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min3.50%
% of loan amount - max3.50%
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% of total loan amount, divided and charged equally throughout loan term.
Appears on Repayment Sched?Yes
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 deposited15.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Compulsory deposit rule - If Group Adehye loan, 15%. If Individual Adehye loan, 20%. Interest paid on depsoit rule - If amount deposited is less than 1,000 GHS, 0% interest. If amount depsoited is 1,000 GHS or more, 3% interest.

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
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 500
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

Adehye Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountGHS 400GHS 600GHS 1,500GHS 2,700GHS 5,800
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-11-302013-01-172013-01-072012-12-202013-01-22
Loan Term (Months)6.0 months6.0 months6.0 months8.0 months6.0 months
Grace Period (Months)0.4 months0.4 months0.5 months0.4 months0.6 months
Total Cost of CreditGHS 97.56GHS 144.96GHS 366.30GHS 803.78GHS 1,401.72
True Price by Comp         
Interest price component65.0%65.0%56.1%57.4%61.7%
Fee Component16.6%15.6%12.0%9.7%12.8%
Insurance Component3.2%3.2%2.7%2.1%2.9%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component39.3%38.8%27.5%27.4%22.9%
Full APR (int fee ins tax dep)124.1%122.6%98.3%96.6%100.3%
Transparency Index3131393938
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Daraja Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 50,000KES 95,000KES 200,000KES 350,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-212013-07-122013-07-092013-07-17
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 12,500KES 23,750KES 50,000KES 87,500
True Price by Comp       
Interest price component38.9%38.9%38.9%38.9%
Fee Component2.1%2.0%2.0%2.0%
Insurance Component4.1%4.2%4.2%4.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component74.0%45.4%32.3%27.9%
Full APR (int fee ins tax dep)119.1%90.5%77.4%73.0%
Transparency Index18242830
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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