- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	157
Ahantaman RB	23,800	9,896,000	4	139
APED	13,700	1,876,000	2	139
ASA Initiative	4,400	577,000	4	139
ASA-Ghana	71,600	18,385,000	2	139
ASPI	800	88,000	6	139
Atwima Kwanwoma	3,800	1,788,000	2	139
Baobab	5,100	967,000	2	139
BestFUND	13,000	4,172,000	3	139
Bonzali Rural	10,400	1,691,000	4	157
CashPhase	83	135,000	2	139
CASUD	1,100	524,000	1	139
CEDEF	500	54,000	4	139
CFF	100	13,000	1	139
CRAN	3,600	1,019,000	2	139
DQF	1,700	63,000	2	139
EASL	9,200	11,409,000	6	139
East Mamprusi	12,500	2,268,000	4	139
ELDA	0	0	0	139
EMPRETEC Ghana	200	56,000	2	139
FASL	13,500	14,047,000	8	139
Grameen Ghana	9,500	507,000	3	139
ID-Ghana	5,600	953,000	3	139
Innovative Finance	2,700	354,000	3	139
Kraban Support	7,700	781,000	5	157
KRB	4,000	6,350,000	3	139
Lower Pra RB	34,000	6,316,000	3	157
Maata-N-Tudu	12,000	941,000	4	139
Mail Finance	300	288,000	1	139
Markaz	0	0	0	139
Markaz Al Bishara	100	17,000	1	139
MicrofinPlus Gh	1,100	251,000	2	139
Nwabiagya RB	4,000	2,265,000	3	139
OISL	62,000	27,232,000	9	139
Pro Credit	0	0	0	139
Rich Step	100	101,000	1	139
SAT	147,600	29,359,000	4	139
Sekam Trust	600	137,000	2	139
Simli Pong	8,900	463,000	3	157
SS Ghana	200	35,000	1	139
TCCU	100	32,000	3	139
The Bridge	400	32,000	3	157
Union RB	3,800	2,361,000	4	139

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

Juhudi Kilimo Limited Liability Company P.O. Box 25441Nairobi

Data approved: 2013-05-26

Data version: 3

Age of data: 141 months

Download Data

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Product

Asset Financing Dairy Cow Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (KES)	KES 275,501,067
Portfolio (USD)	USD 3,327,307.57
Active Clients with Loans	6,296
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

This product is designed for the specific purpose of purchasing a dairy cow.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other	Improve the structure used to house dairy cows
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other	Optional low-cost life insurance through CIC, KES 3290pa
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land	x
Must be a salaried worker
Must be specific age group
Other	Must be a farmer
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	5
# Regions for this product	5
Regions Active	Central, Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount

Currency	KES
Minimum loan size	KES 30,000
Maximum loan size	500,000

Distribution at Disbursement (Est.)

Loans less than KES 50,000	80%
KES 50,000-150,000	15%
KES 150,000-250,000	5%
KES 250,000-350,000	0
KES 350,000-450,000	0
Greater than KES 450,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	60%
Between 13 and 18 months	30%
Longer than 18 months	10%

Grace Period

Grace period usage	100%
Average grace period	2.0 months

Repayment Frequency

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	x

Pricing Information

Interest

Lowest quoted nominal interest	32.00%
Highest quoted nominal interest	32.00%
Reason(s) why interest rate varies	Changing all interest rates from 16% to 18% in Jan 2010
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Loan Application Fee	Registration Fee
% of loan amount - min	1.00%	0
% of loan amount - max	1.00%	0
OR, Fixed amount - min	0	500
Fixed amount - max	0	500
Reason for variation	N/A	N/A
Appears on Repayment Sched?	Yes	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1	Ins 2
Description	Loan Insurance Fee	Livestock Insurance Fee
% of loan amount - min	1.00%	4.00%
% of loan amount - max	2.00%	4.00%
OR, Fixed amount - min	0	0
Fixed amount - max	0	0
Reason for variation	1% of the loan amount p.a	N/A
Appears on Repayment Sched?	Yes	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Asset Financing Dairy Cow Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	KES 26,000	KES 50,000	KES 100,000	KES 200,000	KES 300,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-03-12	2013-03-12	2013-03-12	2013-05-30	2013-04-29
Loan Term (Months)	11.0 months	11.0 months	14.0 months	24.0 months	24.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	KES 6,740	KES 12,501	KES 29,179	KES 87,149	KES 130,474
True Price by Comp
Interest price component	33.4%	33.4%	33.5%	31.7%	31.8%
Fee Component	6.2%	4.2%	2.6%	1.3%	1.2%
Insurance Component	11.2%	11.0%	9.5%	6.9%	6.9%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	17.0%	16.3%	15.1%	12.5%	12.5%
Full APR (int fee ins tax dep)	67.8%	64.9%	60.7%	52.4%	52.4%
Transparency Index	47	49	53	61	61

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Asset Financing Dairy Cow Loan 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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Asset Financing Dairy Cow Loan samples

Asset Financing Dairy Cow Loan Price Graphs

Total Borrowers of Samples

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