Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.adoktimo.com/ |
Year established | 2005 |
Head of Institution | Mr. Samuel Okelo Deya |
Regions active | |
# Branches | 22 |
Total Portfolio (nat'l) | KES 48,695,870 |
Total Portfolio (USD) | USD 588,114.37 |
Active clients with loans | 4,325 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1996 |
Head of Institution | Nana Opare-Dzan |
Regions active | |
# Branches | 4 |
Total Portfolio (nat'l) | GHS 1,539,492 |
Total Portfolio (USD) | USD 781,468.02 |
Active clients with loans | 8,017 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | GHAMFIN, GAPVOD, ASSFIN, EMPRETEC Business Forum |
Funders | MiDA, International Alliance for Women, Social Investment Fund (SIF), KIVA, EB-ACCION, RHEMA |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agribusiness Loan | KES 10,000 - 100,000 | 1 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Must be active in agricultural activities | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Asset Financing Loan | KES 20,000 - 300,000 | 12 | 20% - 40% | 20% - 40% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Business Loan | KES 6,400 - 500,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
School Fees Loan | KES 20,000 - 100,000 | 1 - 12 | 20% - 40% | 20% - 40% | Education | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agape Loan | GHS 100 - 250 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
Extra Mile Loan | GHS 1,200 - 1,200 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Salaried worker, some have businesses, others are salary workers like teachers and nurses | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
Green Energy Microfinance(GEM) Loan | GHS 450 - 500 | 6 | 80% - 100% | 0% - 20% | Business, Housing, Other, Health clinic, corn milling business | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
Higher Heights Loan | GHS 1,000 - 2,052 | 4 - 12 | 80% - 100% | 80% - 100% | Business, Farmers | Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training on access to green energy in their agro-processsing activities | |||||||
Sika Rose Loan | GHS 150 - 500 | 6 | 80% - 100% | 80% - 100% | Business, Agricultural produce marketing | Women, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agribusiness Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront | 29.4% - 31.4% | 38.3% - 40.9% | 49 | ||||||||
Asset Financing Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront | 48.4% - 53% | 79.9% - 87.8% | 23 | ||||||||
Business Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront | 46.2% - 55.3% | 75.8% - 91.9% | 23 | ||||||||
School Fees Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront | 48.6% - 49.3% | 80.6% - 81.4% | 24 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agape Loan | 20.00% annual, Flat | 0 Fees | 0 Ins | None | 10.00% upfront | 61% - 64.7% | 71.5% - 76.6% | 27 | ||||||||
Extra Mile Loan | 40.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 64.7% | 76.8% | 52 | ||||||||
Green Energy Microfinance(GEM) Loan | 40.00% annual, Flat | 1 Fee | 0 Ins | None | 100.00 upfront | 61% - 67.1% | 86.8% - 96.3% | 42 | ||||||||
Higher Heights Loan | 30.00% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 26% | 26% | 100 | ||||||||
Sika Rose Loan | 40.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 46.8% - 59.5% | 53% - 67.1% | 64 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agribusiness Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.0% upfront | 29.4% - 31.4% | 38.3% - 40.9% | 49 | ||||||||
Asset Financing Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.0% upfront | 48.4% - 53% | 79.9% - 87.8% | 23 | ||||||||
Business Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.0% upfront | 46.2% - 55.3% | 75.8% - 91.9% | 23 | ||||||||
School Fees Loan | 19.2%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.0% upfront | 48.6% - 49.3% | 80.6% - 81.4% | 24 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agape Loan | 20.00% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 61% - 64.7% | 71.5% - 76.6% | 27 | ||||||||
Extra Mile Loan | 40.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 64.7% | 76.8% | 52 | ||||||||
Green Energy Microfinance(GEM) Loan | 40.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 100.00 upfront | 61% - 67.1% | 86.8% - 96.3% | 42 | ||||||||
Higher Heights Loan | 30.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 26% | 26% | 100 | ||||||||
Sika Rose Loan | 40.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 46.8% - 59.5% | 53% - 67.1% | 64 |
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