2. Janalakshmi
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. KADET
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Janalakshmi Financial Services (P) Ltd. No. 302, 7th Cross, 4th Main, Domlur LayoutBangalore, Karnataka560071
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Kenya Agency for Development & Enterprise Technology P.O. Box 1676Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 146 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions active0
# Branches19

Total Portfolio (nat'l)INR 1,667,106,026
Total Portfolio (USD)USD 37,046,800.58
Active clients with loans173,918
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.kadet.co.ke/
Year established2001
Head of InstitutionFidel Okillah
Regions activeCentral, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western
# Branches39

Total Portfolio (nat'l)KES 447,325,485
Total Portfolio (USD)USD 5,402,481.70
Active clients with loans12,923
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Education
1,189 Borrowers
USD 272,796.29 Portfolio
Active Product
Small Group
171,534 Borrowers
USD 35,678,590.44 Portfolio
Active Product

Loan Products » Summary

Agriculture
702 Borrowers
USD 484,195.76 Portfolio
Active Product
Business
11,801 Borrowers
USD 4,631,490.66 Portfolio
Active Product
School
165 Borrowers
USD 102,275.14 Portfolio
Active Product
Asset
255 Borrowers
USD 184,520.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 50,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs Credit Educ
Small Group Loan INR 5,000 - 30,000 9 - 24 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Other Women, group members must live within each other's vicinity, must demonstrate capacity to repay Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan KES 5,000 - 1,000,000 3 - 24 40% - 60% 60% - 80% Agriculture Women, Men Credit Ins, Tech Asst Visits
Business Loan KES 3,000 - 3,000,000 3 - 24 40% - 60% 40% - 60% Any Purpose Women, Men, Have business Credit Ins
School Fees Loan KES 5,000 - 150,000 3 - 12 60% - 80% 40% - 60% Education Women, Men Credit Ins
Asset Loan KES 5,000 - 1,600,000 3 - 12 20% - 40% 60% - 80% Business, Consumer, Other Women, Men Credit Ins

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 25% - 26.1% 35.3% - 40.9% 47
Business Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 35.7% - 47.6% 60.8% - 91.1% 25
School Fees Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins None N/A 43.3% - 46.7% 45.8% - 51.1% 37
Asset Loan 18.0%-19.5% annual, Flat 1 Fee 1 Ins None 20.0%-30.0% upfront 400.00 ongoing 43.4% - 50.1% 70.6% - 104.4% 21

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0%-30.0% upfront 400.00 ongoing 25% - 26.1% 35.3% - 40.9% 47
Business Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0%-30.0% upfront 400.00 ongoing 35.7% - 47.6% 60.8% - 91.1% 25
School Fees Loan 18.0%-22.0% annual, Flat 1 Fee 1 Ins Ins None N/A 43.3% - 46.7% 45.8% - 51.1% 37
Asset Loan 18.0%-19.5% annual, Flat 1 Fee 1 Ins Ins None 20.0%-30.0% upfront 400.00 ongoing 43.4% - 50.1% 70.6% - 104.4% 21
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessEducationLoan PurposeJanalakshmiInstitutionIN-035-V01-P01IN-035-V01-P02ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 42,00032,00021,00010,0001,100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAgricultureAnyBusinessEducationLoan PurposeKADETInstitutionKE-013-V02-P01KE-013-V02-P02KE-013-V02-P03KE-013-V02-P04ProductKECountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 4,7003,5002,3001,100100Number of Borrowers
Click to view Price Analysis Tool
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