Smallholder Irrigation Schemes Development Organization (SISDO) - Farm Inputs Loan - MFTransparency.org Truth In Lending Tables

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Institution

Smallholder Irrigation Schemes Development Organization (SISDO) NairobiKenyaPO Box 76622

Data approved: 2010-09-14

Data version: 1

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (KES)	KES 12,522,368
Portfolio (USD)	USD 151,236.33
Active Clients with Loans	885
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

This targets farmers who have needs for farm inputs

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

Eligibility

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

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	KES
Minimum loan size	KES 5,000
Maximum loan size	50,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	9.0 months

Grace Period

Grace period usage	70%
Average grace period	0.5 months

Repayment Frequency

Daily
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	18.00%
Highest quoted nominal interest	18.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Loan Processing Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Insurance (per annum)
% of loan amount - min	0.75%
% of loan amount - max	0.75%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

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?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00% - N/A
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	KES 100 - N/A
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	1.00%
Maximum interest rate paid	2.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Farm Inputs Loan samples

No data for this product

Farm Inputs Loan Price Graphs