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 |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1996 |
Head of Institution | Mr Gulbaz Afaqi |
Regions active | Punjab |
# Branches | 3 |
Total Portfolio (nat'l) | PKR 85,584,088 |
Total Portfolio (USD) | USD 873,307.02 |
Active clients with loans | 4,193 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0 |
Network affiliations | Pakistan Microfinance Network, PMFN, MONPAK, HRDN |
Funders | Pakistan Poverty Alleviation Fund, One UN GRIP, OPP/OCT |
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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | PKR 20,000 - 75,000 | 6 - 18 | 20% - 40% | 0% | Agriculture | Women, Men | ||||||||
Livestock | PKR 15,000 - 30,000 | 12 | 40% - 60% | 0% | Business | Women, Men | ||||||||
Livestock Fattening | PKR 20,000 - 30,000 | 6 - 11 | 40% - 60% | 0% | Business | Women, Men | Credit Ins, Tech Asst Visits | |||||||
Handicrafts | PKR 15,000 - 30,000 | 12 | 80% - 100% | 0% | Business | Women, Men, Have business | ||||||||
Trade Business | PKR 10,000 - 70,000 | 12 | 20% - 40% | 0% | Business | Women, Men, Have business | ||||||||
Solar Lighting | PKR 15,000 - 30,000 | 6 - 12 | 20% - 40% | 0% | Any Purpose | Women, Men |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% | 40.7% | N/A | ||||||||
Livestock | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Livestock Fattening | 21.0%-24.0% annual, Flat | 1 Fee | 1 Ins | None | None | 25.8% | 29% | N/A | ||||||||
Handicrafts | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A | ||||||||
Trade Business | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Solar Lighting | 36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% | 40.7% | N/A | ||||||||
Livestock | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Livestock Fattening | 21.0%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | None | 25.8% | 29% | N/A | ||||||||
Handicrafts | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A | ||||||||
Trade Business | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Solar Lighting | 36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A |
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