Juhudi Kilimo Limited Liability Company - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Juhudi Kilimo Limited Liability Company P.O. Box 25441Nairobi

Data approved: 2013-05-26

Data version: 3

Age of data: 143 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	No
Website address	http://www.juhudikilimo.com/
Year established	2009
Head of Institution	Nat Robinson
Regions active	Central, Eastern, Nyanza, Rift Valley, Western
# Branches	8

Total Portfolio (nat'l)	KES 367,334,756
Total Portfolio (USD)	USD 4,436,410.10
Active clients with loans	10,494
Approximate % female clients	40% - 60%
Approximate % urban clients	0% - 20%
Network affiliations	AMFI, SPTF
Funders	Acumen Fund, Grameen Foundation, Kiva, Soros Economic Development Fund

Loan Products » Summary

Asset

4,198 Borrowers

USD 1,109,102.52 Portfolio

Active Product

Dairy Cow

6,296 Borrowers

USD 3,327,307.57 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Asset Finance Loan		KES 10,000 - 500,000		6 - 24		40% - 60%		0% - 20%		Business, Agriculture		Women, Men, Must be a farmer		Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa
Asset Financing Dairy Cow Loan		KES 30,000 - 500,000		12 - 24		40% - 60%		0% - 20%		Business, Agriculture, Improve the structure used to house dairy cows		Women, Men, Have home or land, Must be a farmer		Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Asset Finance Loan		32.0% annual, Decl Bal		2 Fees		2 Ins		None		15.0% upfront		32.3% - 44%		47.6% - 64.7%		62
Asset Financing Dairy Cow Loan		32.0% annual, Decl Bal		2 Fees		2 Ins		None		15.0% upfront		33% - 39.6%		52.4% - 67.8%		54

Institution Price Graph

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Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Atwima Kwanwoma Rural Bank Head OfficeKumasi, AshantiP.O. Box 6921

Data approved: 2013-03-18

Data version: 2

Age of data: 141 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (GHS)	GHS 2,452,823.66
Portfolio (USD)	USD 1,245,088.15
Active Clients with Loans	1,239
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Designed for micro, small, and medium enterprises.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Ashanti Region

Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 300
Maximum loan size	30,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	5%
GHS 1,000-5,000	50%
GHS 5,000-7,500	20%
GHS 7,500-10,000	10%
GHS 10,000-13,000	5%
Greater than GHS 13,000	5%

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	60%
Between 10 and 12 months	40%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily	x
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	32.00%
Highest quoted nominal interest	32.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	33.33%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Susu Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	GHS 300	GHS 1,000	GHS 1,600	GHS 3,000	GHS 7,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	3	5
Disbursement Date	2012-11-16	2013-03-01	2012-12-13	2013-02-20	2012-11-08
Loan Term (Months)	6.0 months	8.0 months	12.0 months	10.0 months	12.0 months
Grace Period (Months)	0.2 months	-0.1 months	0.0 months	-0.1 months	0.0 months
Total Cost of Credit	GHS 54.75	GHS 251.04	GHS 631	GHS 905.32	GHS 2,754
True Price by Comp
Interest price component	54.5%	60.1%	63.1%	59.4%	63.2%
Fee Component	12.0%	9.6%	6.6%	8.0%	6.7%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	79.5%	82.6%	69.4%	75.4%	69.7%
Full APR (int fee ins tax dep)	146.0%	152.3%	139.1%	142.8%	139.6%
Transparency Index	22	21	23	22	23

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Susu Loan Price Graphs

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
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By Inst Type


By Country

	X Axis
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Susu Loan samples

Susu Loan Price Graphs

Total Borrowers of Samples

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