2. Jamii Bora
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Lower Pra RB
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Jamii Bora P.O. Box 22741-00400Nairobi
Data approved: 2013-07-02
Data version: 2
Age of data: 145 months
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Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 161 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.jamiibora.org/
Year established1999
Head of InstitutionMr Samuel Kimani
Regions activeCentral, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western
# Branches58

Total Portfolio (nat'l)KES 279,407,650
Total Portfolio (USD)USD 3,374,488.53
Active clients with loans2,446
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.lowerpraruralbank.com/
Year established1983
Head of InstitutionIsaac Kwamina Afful
Regions active
# Branches14

Total Portfolio (nat'l)GHS 12,443,472
Total Portfolio (USD)USD 6,316,483.25
Active clients with loans34,056
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB APEX
Funders

Loan Products » Summary

Daraja Indv
1,004 Borrowers
USD 2,508,031.40 Portfolio
Active Product
Micro Indv
242 Borrowers
USD 204,510.27 Portfolio
Active Product
Daraja Group
58 Borrowers
USD 139,492.75 Portfolio
Active Product
Micro Group
1,142 Borrowers
USD 522,454.11 Portfolio
Active Product
Women
Retired Product
Housing Loan
Retired Product

Loan Products » Summary

Micro Loan
13,529 Borrowers
USD 2,093,440.10 Portfolio
Active Product
Salary Loan
17,746 Borrowers
USD 3,895,317.77 Portfolio
Active Product
Susu Loan
2,781 Borrowers
USD 327,725.89 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan GHS 1,000 - 30,000 1 - 12 20% - 40% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Salary Loan GHS 500 - 11,000 1 - 60 40% - 60% 80% - 100% Business Women, Men Credit Ins
Susu Loan GHS 200 - 3,500 1 - 12 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, Tech Asst Visits, Market trends

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22

Loan Products » Pricing Information

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 Ins None 20.0% upfront 35.2% 52.1% - 52.2% 38
Micro Individual 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 39.4% - 40.1% 61.1% - 63.2% 35
Daraja Group 20.0% annual, Flat 1 Fee 1 Ins 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 Ins None 30.0%-50.0% upfront 42.7% - 42.8% 89.2% 25

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeJamii BoraInstitutionKE-010-V02-P01KE-010-V02-P06KE-010-V02-P07KE-010-V02-P08ProductKECountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 1,00070050020020Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeLower Pra RBInstitutionGH-029-V01-P01GH-029-V01-P02GH-029-V01-P03ProductGHCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 3,5002,6001,70080090Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Key Statistics
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% Products with one or more insurances
% Products with compulsory deposits
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