Institution Type | Non Bank Financial Institution |
Is this institution regulated? | No |
Website address | http://www.juhudikilimo.com/ |
Year established | 2009 |
Head of Institution | Nat Robinson |
Regions active | Central, Eastern, Nyanza, Rift Valley, Western |
# Branches | 8 |
Total Portfolio (nat'l) | KES 367,334,756 |
Total Portfolio (USD) | USD 4,436,410.10 |
Active clients with loans | 10,494 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMFI, SPTF |
Funders | Acumen Fund, Grameen Foundation, Kiva, Soros Economic Development Fund |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Finance Loan | KES 10,000 - 500,000 | 6 - 24 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Must be a farmer | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa | |||||||
Asset Financing Dairy Cow Loan | KES 30,000 - 500,000 | 12 - 24 | 40% - 60% | 0% - 20% | Business, Agriculture, Improve the structure used to house dairy cows | Women, Men, Have home or land, Must be a farmer | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Finance Loan | 32.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 15.0% upfront | 32.3% - 44% | 47.6% - 64.7% | 62 | ||||||||
Asset Financing Dairy Cow Loan | 32.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 15.0% upfront | 33% - 39.6% | 52.4% - 67.8% | 54 |
Outstanding portfolio (PKR) | PKR 27,901,546 |
Portfolio (USD) | USD 273,993.18 |
Active Clients with Loans | 1,965 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
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 | |
Other | |
Other (2) | |
No other services | x |
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 | 2 |
# Regions for this product | 2 |
Regions Active | Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 10,000 |
Maximum loan size | 50,000 |
Loans less than PKR 10,000 | 10% |
PKR 10,000-25,000 | 60% |
PKR 25,000-50,000 | 30% |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
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 | |
Irregular payments |
Lowest quoted nominal interest | 12.00% |
Highest quoted nominal interest | 12.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
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 |
Type of Sample |
Grace Period (Months) |
Full APR (int fee ins tax dep) |
True Price by Component |
|||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
PKR 10,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 1,196.71 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 15,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 1,795.07 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 18,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,154.08 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 20,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,393.42 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 22,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,632.77 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 25,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,991.78 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 35,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 4,188.49 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 45,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 5,385.21 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - |
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 |
---|---|---|---|---|---|---|---|