| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 141 |
| Adok Timo | 4,200 | 570,000 | 4 | 172 |
| BIMAS | 11,100 | 4,679,000 | 7 | 141 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 141 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 141 |
| Family Bank | 43,200 | 90,700,000 | 5 | 172 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 141 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 141 |
| KADET | 12,900 | 5,402,000 | 4 | 141 |
| K-Rep | 0 | 0 | 0 | 141 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 172 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 141 |
| LKL | 13,100 | 9,311,000 | 10 | 133 |
| MKL | 18,200 | 5,989,000 | 6 | 117 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 141 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 141 |
| RAFODE | 2,900 | 356,000 | 1 | 141 |
| SISDO | 7,300 | 3,657,000 | 11 | 141 |
| Yehu | 14,000 | 3,149,000 | 11 | 141 |
| Outstanding portfolio (GHS) | GHS 46,500 |
| Portfolio (USD) | USD 23,604.06 |
| Active Clients with Loans | 150 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| 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 | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | x |
| Business training | x |
| Other training | x |
| Other | Training on Agricultural Best Practices |
| Other (2) | |
| No other services |
| 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 have farming experience |
| Other (2) |
| # Regions for this institution | 3 |
| # Regions for this product | 2 |
| Regions Active | Greater Accra Region, Central Region |
| Currency | GHS |
| Minimum loan size | GHS 1,000 |
| Maximum loan size | 1,000 |
| Loans less than GHS 1,000 | 100% |
| GHS 1,000-5,000 | 0 |
| GHS 5,000-7,500 | 0 |
| GHS 7,500-10,000 | 0 |
| GHS 10,000-13,000 | 0 |
| Greater than GHS 13,000 | 0 |
| Shortest loan term | 8.0 months |
| Longest loan term | 12.0 months |
| Approx average | 10.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 20% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 5.0 months |
| Daily | |
| 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 | 30.00% |
| Highest quoted nominal interest | 30.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | GHS 1,000 | GHS 1,000 | GHS 1,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-09-15 | 2012-10-25 | 2012-10-29 | ||
| Loan Term (Months) | 13.0 months | 13.0 months | 13.0 months | ||
| Grace Period (Months) | 4.5 months | 4.2 months | 4.1 months | ||
| Total Cost of Credit | GHS 174.10 | GHS 174.10 | GHS 174.10 | ||
| True Price by Comp | |||||
| Interest price component | 23.8% | 24.7% | 25.1% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 23.8% | 24.7% | 25.1% | ||
| Transparency Index | 100 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
