2. SISDO
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
  2. Atwima Kwanwoma
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 141 months
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Institution

Atwima Kwanwoma Rural Bank Head OfficeKumasi, AshantiP.O. Box 6921
Data approved: 2013-03-18
Data version: 2
Age of data: 139 months
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Product

Asset Financing Loan Product 1 of 11 « Prev | Next »

Product

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Product Summary

Number borrowers504
Loan Amount (range)KES 20,000 - 50,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method20.0% annual, Flat
Fees1.00% upfront
Insurance2.00% upfront
TaxNone
Comp Dep20.0% upfront 100.00 ongoing
Range of pricing 
Interest Price Component28.1% - 38.9%
Fee Component1.9% - 3.8%
Insurance Component4.0% - 7.6%
Tax Component Range0
Full APR (int fee ins tax dep)70.3% - 83.8%
Transparency Index (min/max)15 - 38
Transparency Index (average)26

Product Summary

2,653
GHS 500 - 5,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Business Training
32.00% annual, Flat
3.00% upfront
1.00% upfront
None
25.00% upfront
 
51.8% - 63.2%
6.6% - 12.0%
0 - 3.7%
0
108.4% - 114.8%
21 - 30
28

Product Details

Key Statistics
Outstanding portfolio (KES)KES 17,475,333.38
Portfolio (USD)USD 211,054.75
Active Clients with Loans504
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Targets existing clients who require business or household assets.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Nairobi, Rift Valley, Western

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,070,242.75
Portfolio (USD)USD 543,270.43
Active Clients with Loans2,653
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
Designed for organized groups of individuals.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution1
# Regions for this product1
Regions ActiveAshanti Region

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months60%
Between 10 and 12 months10%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00010%
GHS 1,000-5,00090%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months60%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid0.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest32.00%
Highest quoted nominal interest32.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Asset Financing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 20,000KES 30,000KES 50,000KES 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-262013-07-032013-06-252013-07-25
Loan Term (Months)12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months0.2 months
Total Cost of CreditKES 4,600KES 3,900KES 11,500KES 11,500
True Price by Comp       
Interest price component35.6%34.7%35.6%35.6%
Fee Component2.0%3.8%2.0%2.0%
Insurance Component4.1%7.5%4.1%4.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component42.1%32.0%28.6%28.6%
Full APR (int fee ins tax dep)83.8%78.0%70.3%70.3%
Transparency Index24262828
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 1,000GHS 1,200GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-062012-12-062012-11-22
Loan Term (Months)6.0 months6.0 months8.0 months
Grace Period (Months)0.0 months0.0 months0.2 months
Total Cost of CreditGHS 200GHS 240GHS 760
True Price by Comp     
Interest price component51.8%51.8%56.1%
Fee Component10.9%10.9%9.2%
Insurance Component3.7%3.7%3.1%
Tax Component0.0%0.0%0.0%
Deposit Component42.0%42.0%46.4%
Full APR (int fee ins tax dep)108.4%108.4%114.8%
Transparency Index303028
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Asset Financing 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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