Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://yehu.org/ |
Year established | 1999 |
Head of Institution | Adet N. Kachi |
Regions active | Coast |
# Branches | 8 |
Total Portfolio (nat'l) | KES 252,974,696 |
Total Portfolio (USD) | USD 3,055,249.95 |
Active clients with loans | 13,849 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan - Meat Goat | KES 5,000 - 150,000 | 3 - 18 | 80% - 100% | 20% - 40% | Business | Women, Men, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training | |||||||
Agriculture Loan - Poultry | KES 10,000 - 60,000 | 3 - 24 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training | |||||||
Business Loan | KES 5,000 - 1,000,000 | 3 - 36 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training | |||||||
Top Up Loan | KES 5,000 - 1,000,000 | 3 - 24 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training | |||||||
Afya Loan | KES 12,745 - 12,745 | 3 - 12 | 80% - 100% | 40% - 60% | Other | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Mabati Loan | KES 5,000 - 150,000 | 6 - 18 | 60% - 80% | 20% - 40% | Housing | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Elimu Loan | KES 20,000 - 100,000 | 3 - 12 | 60% - 80% | 60% - 80% | Housing | Women, Men, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Emergence Loan | KES 5,000 - 40,000 | 3 - 9 | 80% - 100% | 80% - 100% | Any Purpose | Women, Men, Specific age group | ||||||||
Maji ni Uhai Loan | KES 10,000 - 150,000 | 6 - 18 | 80% - 100% | 20% - 40% | Agriculture, Housing | Women, Men, Specific age group | Group Mtgs, Business Training, Other Training, Leadership Training | |||||||
Sikukuu Loan | KES 5,000 - 10,000 | 3 - 12 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Specific age group |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan - Meat Goat | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40.6% - 46.4% | 62.1% - 81.8% | 28 | ||||||||
Agriculture Loan - Poultry | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.9% - 47.8% | 59.3% - 81.5% | 29 | ||||||||
Business Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 40.5% | 50.4% - 62% | 39 | ||||||||
Top Up Loan | 21.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 37.8% - 38.2% | 37.8% - 38.2% | 55 | ||||||||
Afya Loan | 18.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40% | 68.6% | 31 | ||||||||
Mabati Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 46.2% | 51.3% - 81.5% | 35 | ||||||||
Elimu Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39.6% - 41.9% | 58.7% - 66.4% | 34 | ||||||||
Emergence Loan | 21.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 40.5% - 47.6% | 62.2% - 81.1% | 30 | ||||||||
Maji ni Uhai Loan | 20.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 39% - 45.2% | 51.8% - 80.1% | 33 | ||||||||
Sikukuu Loan | 22.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-15.0% upfront 100.00 ongoing | 48.7% - 50.1% | 84.6% - 85.1% | 26 |
Outstanding portfolio (GHS) | GHS 509,342.35 |
Portfolio (USD) | USD 258,549.42 |
Active Clients with Loans | 239 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
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) |
# Regions for this institution | 6 |
# Regions for this product | 6 |
Regions Active | Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region |
Currency | GHS |
Minimum loan size | GHS 2,000 |
Maximum loan size | 10,000 |
Loans less than GHS 1,000 | 0 |
GHS 1,000-5,000 | 30% |
GHS 5,000-7,500 | 40% |
GHS 7,500-10,000 | 30% |
GHS 10,000-13,000 | 0 |
Greater than GHS 13,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Loans 3 months or less | 10% |
Between 4 and 6 months | 90% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | x |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 36.00% |
Highest quoted nominal interest | 36.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Commitment 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 |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 20.00% - 25.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 5.00% |
Maximum interest rate paid | 5.00% |
Interest payment frequency | Quarterly |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | GHS 3,000 | GHS 6,000 | GHS 9,500 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-05-31 | 2013-05-29 | 2013-05-17 | ||
Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | ||
Grace Period (Months) | 0.1 months | 0.1 months | 0.0 months | ||
Total Cost of Credit | GHS 630 | GHS 1,260 | GHS 1,995 | ||
True Price by Comp | |||||
Interest price component | 56.1% | 56.9% | 57.4% | ||
Fee Component | 10.6% | 10.8% | 10.9% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 41.0% | 42.1% | 42.7% | ||
Full APR (int fee ins tax dep) | 107.7% | 109.8% | 111.0% | ||
Transparency Index | 33 | 33 | 32 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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