2. Yehu
Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 142 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,382,653.16
Portfolio (USD)USD 40,853.30
Active Clients with Loans157
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for the purchase of iron sheets, gutters, roofing nails, and labor charges for roofing of houses for improved living conditions of clients.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherLeadership Training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCoast

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size150,000
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 term6.0 months
Longest loan term18.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months80%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
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
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
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 paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Mabati Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 30,000KES 50,000KES 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-032013-04-112013-04-102013-04-23
Loan Term (Months)12.0 months12.0 months12.0 months17.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,650KES 7,150KES 11,750KES 34,000
True Price by Comp       
Interest price component37.8%37.8%37.8%38.2%
Fee Component8.4%2.7%2.1%1.4%
Insurance Component3.2%3.2%3.1%2.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component32.1%18.3%10.4%9.4%
Full APR (int fee ins tax dep)81.5%62.0%53.4%51.3%
Transparency Index26343941
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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  2. Metemamen
Please note that the information you are viewing is 159 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Metemamen MFI Bole RoadAddis AbabaPO Box 21304
Data approved: 2011-12-23
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2002
Head of InstitutionMs Wegayehu Asrat
Regions active
# Branches5

Total Portfolio (nat'l)ETB 11,960,952
Total Portfolio (USD)USD 650,051.74
Active clients with loans10,541
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsAEMFI, MAIN
FundersCRS, ICCO Terafina

Loan Products » Summary

Endeg
2,891 Borrowers
USD 59,468.48 Portfolio
Active Product
Eshet
5,060 Borrowers
USD 471,330.87 Portfolio
Active Product
Hibret
1,165 Borrowers
USD 31,912.45 Portfolio
Active Product
Qirs
427 Borrowers
USD 17,545.38 Portfolio
Active Product
Seket
962 Borrowers
USD 55,780.11 Portfolio
Active Product
Wutet
36 Borrowers
USD 14,014.46 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Endeg Loan (let us grow together) ETB 1,300 - 6,500 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs
Eshet Loan (A seed in the process of being ripe) ETB 1,500 - 6,600 3 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs
Hibret Loan (Union) ETB 1,200 - 7,200 3 - 12 60% - 80% 40% - 60% Business Women, Men Credit Educ, Group Mtgs
Qirs Loan (Property) ETB 1,500 - 7,000 12 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Siket Loan (Success) ETB 2,500 - 11,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Endeg Loan (let us grow together) 18.0% annual, Flat 1 Fee 0 Ins None 8.0% upfront 10.00% ongoing 37.9% - 38.8% 45.4% - 47.8% 38
Eshet Loan (A seed in the process of being ripe) 19.2% annual, Flat 0 Fees 0 Ins None 8.0% upfront 10.00% ongoing 18.1% - 21.2% 19.1% - 22.6% 96
Hibret Loan (Union) 18.0% annual, Flat 0 Fees 0 Ins None 8.0% upfront 10.00% ongoing 31.6% - 32% 36.8% - 37.4% 48
Qirs Loan (Property) 14.4% annual, Flat 1 Fee 0 Ins None 8.0% upfront 10.00% ongoing 30.8% - 31.8% 36.5% - 37.8% 38
Siket Loan (Success) 18.0% annual, Flat 1 Fee 0 Ins None 8.0% upfront 10.00% ongoing 40% - 45.3% 48.2% - 55.6% 35
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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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