| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.jamiibora.org/ |
| Year established | 1999 |
| Head of Institution | Mr Samuel Kimani |
| Regions active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
| # Branches | 58 |
| Total Portfolio (nat'l) | KES 279,407,650 |
| Total Portfolio (USD) | USD 3,374,488.53 |
| Active clients with loans | 2,446 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daraja Individual | KES 100,001 - 500,000 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have taken at least 3 Micro Individual loans with a perfect repayment rate. | Credit Educ, Credit Ins, Business Training | |||||||
| Micro Individual | KES 5,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have saved money in a Jamii Bora account for at least six weeks | Credit Educ, Credit Ins, Business Training | |||||||
| Daraja Group | KES 100,000 - 500,000 | 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Micro Group | KES 5,000 - 100,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
| Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
| Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
| Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 160 |
| ADCSI | 176,100 | 30,846,000 | 2 | 161 |
| BG | 47,000 | 4,048,000 | 4 | 160 |
| DECSI | 361,000 | 96,304,000 | 7 | 160 |
| Dire | 4,900 | 828,000 | 4 | 160 |
| DMCPSC | 1,200 | 69,000 | 1 | 160 |
| Eshet | 18,800 | 2,392,000 | 3 | 160 |
| Harbu | 22,400 | 1,757,000 | 2 | 160 |
| Meklit | 12,200 | 1,395,000 | 4 | 160 |
| Metemamen | 10,500 | 650,000 | 6 | 160 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 160 |
| OMO | 323,600 | 31,385,000 | 4 | 160 |
| PEACE | 17,200 | 2,462,000 | 3 | 160 |
| SFPI | 33,600 | 2,750,000 | 3 | 160 |
| Sidama | 53,400 | 1,162,000 | 6 | 160 |
| Wasasa | 49,300 | 5,798,000 | 4 | 160 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 157 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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