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 1,192,763.56 |
Portfolio (USD) | USD 605,463.74 |
Active Clients with Loans | 94 |
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 | |
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 10,500 |
Maximum loan size | 50,000 |
Loans less than GHS 1,000 | 0 |
GHS 1,000-5,000 | 0 |
GHS 5,000-7,500 | 0 |
GHS 7,500-10,000 | 0 |
GHS 10,000-13,000 | 20% |
Greater than GHS 13,000 | 20% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 6.0 months |
Loans 3 months or less | 20% |
Between 4 and 6 months | 30% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 30% |
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 | 2.00% |
% of loan amount - max | 2.00% |
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 | 5.00% - 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 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | GHS 12,000 | GHS 12,000 | GHS 15,000 | GHS 15,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-05-03 | 2013-06-20 | 2013-06-20 | 2013-06-17 | |||
Loan Term (Months) | 6.0 months | 12.0 months | 12.0 months | 12.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | -0.1 months | 0.0 months | |||
Total Cost of Credit | GHS 2,400 | GHS 4,560 | GHS 5,700 | GHS 5,700 | |||
True Price by Comp | |||||||
Interest price component | 57.5% | 59.4% | 60.1% | 59.4% | |||
Fee Component | 7.2% | 4.1% | 4.1% | 4.1% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 40.3% | 38.0% | 38.8% | 38.0% | |||
Full APR (int fee ins tax dep) | 105.0% | 101.5% | 103.0% | 101.5% | |||
Transparency Index | 34 | 35 | 35 | 35 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
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