Outstanding portfolio (INR) | INR 12,800,000 |
Portfolio (USD) | USD 241,509.43 |
Active Clients with Loans | 1,301 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
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 | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | INR |
Minimum loan size | INR 25,000 |
Maximum loan size | 50,000 |
Shortest loan term | 10.0 months |
Longest loan term | 12.0 months |
Approx average | 0 |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 10% |
Average grace period | DK |
Daily | x |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 16.00% |
Highest quoted nominal interest | 16.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Documentation Charge |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 30 |
Fixed amount - max | 30 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 50 |
Fixed amount - max | 50 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 15.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 - 15.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | |
---|---|
Loan Amount | INR 25,000 |
Loan Cycle (1, 2, 3, etc) | 3 |
Disbursement Date | 2010-03-12 |
Loan Term (Months) | 9.7 months |
Grace Period (Months) | 0 |
Total Cost of Credit | Not Known |
True Price by Comp | |
Interest and Fee Component | 33.0% |
Insurance Component | 0.5% |
Tax Component | 0 |
Deposit Component | 12.2% |
Full APR (int fee ins tax dep) | 45.6% |
MFIN MFI Earning (Annualised) | 33.0% |
MFIN Cost to Borrower (Annualised) | 45.6% |
Transparency Index | 35 |
MFIN Transparency Index | N/A |
Original Repayment Schedule | |
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Action | 0 | 0 | 0 | 139 |
Adok Timo | 4,200 | 570,000 | 4 | 170 |
BIMAS | 11,100 | 4,679,000 | 7 | 139 |
ECLOF Kenya | 20,500 | 5,455,000 | 8 | 139 |
Equity Bank | 135,500 | 94,746,000 | 9 | 139 |
Family Bank | 43,200 | 90,700,000 | 5 | 170 |
Jamii Bora | 2,400 | 3,374,000 | 4 | 139 |
Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 139 |
KADET | 12,900 | 5,402,000 | 4 | 139 |
K-Rep | 0 | 0 | 0 | 139 |
K-Rep Bank | 65,000 | 28,743,000 | 4 | 170 |
KWFT DTM | 294,600 | 165,982,000 | 6 | 139 |
LKL | 13,100 | 9,311,000 | 10 | 131 |
MKL | 18,200 | 5,989,000 | 6 | 115 |
Opportunity Kenya | 9,100 | 4,866,000 | 5 | 139 |
PAWDEP | 40,900 | 7,133,000 | 2 | 139 |
RAFODE | 2,900 | 356,000 | 1 | 139 |
SISDO | 7,300 | 3,657,000 | 11 | 139 |
Yehu | 14,000 | 3,149,000 | 11 | 139 |
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 |
---|---|---|---|---|---|---|---|
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 ∞ |