| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.bimaskenya.com |
| Year established | 1997 |
| Head of Institution | Patrick Gathondu |
| Regions active | Central, Eastern, Nairobi, Rift Valley |
| # Branches | 19 |
| Total Portfolio (nat'l) | KES 397,880,258 |
| Total Portfolio (USD) | USD 4,805,317.13 |
| Active clients with loans | 10,118 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Hitimu Loan | KES 10,000 - 80,000 | 3 - 12 | 40% - 60% | 40% - 60% | Education | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Imarika Loan | KES 50,000 - 200,000 | 3 - 18 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Mama Plus Loan | KES 10,000 - 200,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Mifugo Loan | KES 50,000 - 100,000 | 9 - 12 | 40% - 60% | 40% - 60% | Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Msingi Loan | KES 20,000 - 300,000 | 3 - 18 | 40% - 60% | 40% - 60% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Upesi Loan | KES 10,000 - 50,000 | 3 - 6 | 40% - 60% | 40% - 60% | Business, Consumer, Other | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
| Biashara Loan | KES 300,000 - 3,000,000 | 18 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Hitimu Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront 100.00 ongoing | 42.4% - 43.9% | 81.1% - 122.3% | 23 | ||||||||
| Imarika Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront 200.00 ongoing | 42% - 42.9% | 64% - 77.2% | 31 | ||||||||
| Mama Plus Loan | 8.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront 100.00 ongoing | 20.2% - 24.4% | 33.3% - 57.4% | 18 | ||||||||
| Mifugo Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 25.0% upfront 100.00 ongoing | 42.9% - 44% | 86.3% - 96.4% | 24 | ||||||||
| Msingi Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-25.0% upfront | 40.8% - 44% | 66.5% - 80.6% | 30 | ||||||||
| Upesi Loan | 24.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 39.4% - 40.7% | 39.4% - 40.7% | 60 | ||||||||
| Biashara Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 1,000.00 ongoing | 42.2% - 44.1% | 46.2% - 48.2% | 47 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 162 |
| ADCSI | 176,100 | 30,846,000 | 2 | 163 |
| BG | 47,000 | 4,048,000 | 4 | 162 |
| DECSI | 361,000 | 96,304,000 | 7 | 162 |
| Dire | 4,900 | 828,000 | 4 | 162 |
| DMCPSC | 1,200 | 69,000 | 1 | 162 |
| Eshet | 18,800 | 2,392,000 | 3 | 162 |
| Harbu | 22,400 | 1,757,000 | 2 | 162 |
| Meklit | 12,200 | 1,395,000 | 4 | 162 |
| Metemamen | 10,500 | 650,000 | 6 | 162 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 162 |
| OMO | 323,600 | 31,385,000 | 4 | 162 |
| PEACE | 17,200 | 2,462,000 | 3 | 162 |
| SFPI | 33,600 | 2,750,000 | 3 | 162 |
| Sidama | 53,400 | 1,162,000 | 6 | 162 |
| Wasasa | 49,300 | 5,798,000 | 4 | 162 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 159 |
| 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 |
|---|---|---|---|---|---|---|---|
