Outstanding portfolio (INR) | INR 291,437,465 |
Portfolio (USD) | USD 5,498,820.09 |
Active Clients with Loans | 61,128 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | x |
Other | Cottage, Medical ,Marriage |
Other (2) | Agri-Allied Business |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | x |
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 6,000 |
Maximum loan size | 20,000 |
Shortest loan term | 10.5 months |
Longest loan term | 10.5 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 | 1.0 month |
Daily | |
Weekly | x |
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 | 12.50% |
Highest quoted nominal interest | 12.50% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 1.90% |
% of loan amount - max | 1.90% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Premium |
% of loan amount - min | 0.60% |
% of loan amount - max | 0.60% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
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 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | INR 8,000 | INR 8,000 | INR 20,000 | INR 20,000 | |||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 4 | 3 | |||
Disbursement Date | 2010-04-08 | 2010-05-13 | 2010-07-06 | 2010-07-06 | |||
Loan Term (Months) | 10.5 months | 10.5 months | 10.5 months | 10.5 months | |||
Grace Period (Months) | 1.0 month | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 31.9% | 31.9% | 31.9% | 31.9% | |||
Insurance Component | 1.5% | 1.5% | 1.5% | 1.5% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 7.4% | 7.4% | 7.4% | 7.4% | |||
Full APR (int fee ins tax dep) | 40.8% | 40.7% | 40.7% | 40.7% | |||
MFIN MFI Earning (Annualised) | 31.9% | 31.9% | 31.9% | 31.9% | |||
MFIN Cost to Borrower (Annualised) | 40.8% | 40.7% | 40.7% | 40.7% | |||
Transparency Index | 31 | 31 | 31 | 31 | |||
MFIN Transparency Index | N/A | N/A | N/A | N/A | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://yehu.org/ |
Year established | 1999 |
Head of Institution | Adet N. Kachi |
Regions active | Coast |
# Branches | 8 |
Total Portfolio (nat'l) | KES 252,974,696 |
Total Portfolio (USD) | USD 3,055,249.95 |
Active clients with loans | 13,849 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan - Meat Goat | KES 5,000 - 150,000 | 3 - 18 | 80% - 100% | 20% - 40% | Business | Women, Men, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training | |||||||
Agriculture Loan - Poultry | KES 10,000 - 60,000 | 3 - 24 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training | |||||||
Business Loan | KES 5,000 - 1,000,000 | 3 - 36 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training | |||||||
Top Up Loan | KES 5,000 - 1,000,000 | 3 - 24 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training | |||||||
Afya Loan | KES 12,745 - 12,745 | 3 - 12 | 80% - 100% | 40% - 60% | Other | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Mabati Loan | KES 5,000 - 150,000 | 6 - 18 | 60% - 80% | 20% - 40% | Housing | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Elimu Loan | KES 20,000 - 100,000 | 3 - 12 | 60% - 80% | 60% - 80% | Housing | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Emergence Loan | KES 5,000 - 40,000 | 3 - 9 | 80% - 100% | 80% - 100% | Any Purpose | Women, Men, Specific age group | ||||||||
Maji ni Uhai Loan | KES 10,000 - 150,000 | 6 - 18 | 80% - 100% | 20% - 40% | Agriculture, Housing | Women, Men, Specific age group | Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Sikukuu Loan | KES 5,000 - 10,000 | 3 - 12 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Specific age group |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan - Meat Goat | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40.6% - 46.4% | 62.1% - 81.8% | 28 | ||||||||
Agriculture Loan - Poultry | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.9% - 47.8% | 59.3% - 81.5% | 29 | ||||||||
Business Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 40.5% | 50.4% - 62% | 39 | ||||||||
Top Up Loan | 21.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 37.8% - 38.2% | 37.8% - 38.2% | 55 | ||||||||
Afya Loan | 18.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40% | 68.6% | 31 | ||||||||
Mabati Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 46.2% | 51.3% - 81.5% | 35 | ||||||||
Elimu Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 41.9% | 58.7% - 66.4% | 34 | ||||||||
Emergence Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40.5% - 47.6% | 62.2% - 81.1% | 30 | ||||||||
Maji ni Uhai Loan | 20.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39% - 45.2% | 51.8% - 80.1% | 33 | ||||||||
Sikukuu Loan | 22.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 48.7% - 50.1% | 84.6% - 85.1% | 26 |
Key Statistics | |
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# 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 |
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