Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Action | 0 | 0 | 0 | 138 |
Adok Timo | 4,200 | 570,000 | 4 | 170 |
BIMAS | 11,100 | 4,679,000 | 7 | 138 |
ECLOF Kenya | 20,500 | 5,455,000 | 8 | 138 |
Equity Bank | 135,500 | 94,746,000 | 9 | 138 |
Family Bank | 43,200 | 90,700,000 | 5 | 170 |
Jamii Bora | 2,400 | 3,374,000 | 4 | 138 |
Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 138 |
KADET | 12,900 | 5,402,000 | 4 | 138 |
K-Rep | 0 | 0 | 0 | 138 |
K-Rep Bank | 65,000 | 28,743,000 | 4 | 170 |
KWFT DTM | 294,600 | 165,982,000 | 6 | 138 |
LKL | 13,100 | 9,311,000 | 10 | 131 |
MKL | 18,200 | 5,989,000 | 6 | 115 |
Opportunity Kenya | 9,100 | 4,866,000 | 5 | 138 |
PAWDEP | 40,900 | 7,133,000 | 2 | 138 |
RAFODE | 2,900 | 356,000 | 1 | 138 |
SISDO | 7,300 | 3,657,000 | 11 | 138 |
Yehu | 14,000 | 3,149,000 | 11 | 138 |
Outstanding portfolio (RWF) | RWF 3,170,097,119 |
Portfolio (USD) | USD 4,953,276.75 |
Active Clients with Loans | 1,331 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | x |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
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 | |
Other (2) |
# Regions for this institution | 30 |
# Regions for this product | 15 |
Regions Active | Bugesera, Gasabo, Gicumbi, Huye, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Nyabihu, Nyanza, Nyarugenge, Rubavu, Ruhango, Rwamagana |
Currency | RWF |
Minimum loan size | RWF 250,000 |
Maximum loan size | 60,000,000 |
Loans less than RWF 500,000 | 5% |
RWF 500,000-1,500,000 | 15% |
RWF 1,500,000-2,500,000 | 10% |
RWF 2,500,000-3,500,000 | 10% |
RWF 3,500,000-4,500,000 | 5% |
Greater than RWF 4,500,000 | 5% |
Shortest loan term | 8.0 months |
Longest loan term | 60.0 months |
Approx average | 13.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 10% |
Longer than 18 months | 50% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Lowest quoted nominal interest | 10.00% |
Highest quoted nominal interest | 20.00% |
Reason(s) why interest rate varies | Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Loan Processing Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Excluding VAT |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Life and Fire Insurance Fees |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Loans <10M pay 1%, loans >10M pay matrix fee |
Appears on Repayment Sched? | 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? | Yes |
Percentage of fees | 18% |
All or some fees taxed | All |
Sample 1 | Sample 2 | ||
---|---|---|---|
Loan Amount | RWF 5,000,000 | RWF 15,000,000 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2014-08-04 | 2014-08-28 | |
Loan Term (Months) | 24.0 months | 37.0 months | |
Grace Period (Months) | 0.0 months | 0.0 months | |
Total Cost of Credit | RWF 1,343,277 | RWF 5,535,081 | |
True Price by Comp | |||
Interest price component | 20.8% | 19.8% | |
Fee Component | 2.1% | 1.5% | |
Insurance Component | 1.1% | 0.4% | |
Tax Component | 0.5% | 0.4% | |
Deposit Component | 0.0% | 0.0% | |
Full APR (int fee ins tax dep) | 24.5% | 22.1% | |
Transparency Index | 41 | 45 | |
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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