2. ECLOF Kenya
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. JWS
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kenya Ecumenical Loan Fund (ECLOF) P.O. Box 34889Nairobi
Data approved: 2013-05-29
Data version: 2
Age of data: 145 months
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Institution

Jinnah Welfare Society 11 - Jinnah Road, Link DC RoadGujranwala, Punjab52250
Data approved: 2015-06-12
Data version: 2
Age of data: 118 months
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Product

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Product

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Product Summary

Number borrowers1,537
Loan Amount (range)KES 5,000 - 30,000
Loan Term (range)6 - 18
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method22.0% annual, Flat
Fees2.00% upfront
Insurance2.00% upfront
TaxNone
Comp Dep10.0%-25.0% upfront 200.00 ongoing
Range of pricing 
Interest Price Component26.8% - 38.7%
Fee Component2.0% - 7.5%
Insurance Component2.1% - 7.7%
Tax Component Range0
Full APR (int fee ins tax dep)108.0% - 170.1%
Transparency Index (min/max)13 - 51
Transparency Index (average)16

Product Summary

1,000
PKR 50,000 - 100,000
6 - 7
Group Mtgs, Credit Ins, Business Training
20.0% annual, Flat
1.50% upfront
None
None
N/A
 
19.1% - 34.6%
3.0% - 5.9%
0
0
22.1%
49 - 90
90

Product Details

Key Statistics
Outstanding portfolio (KES)KES 27,180,917
Portfolio (USD)USD 328,271.94
Active Clients with Loans1,537
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Consumer asset financing loan to help acquire business and household assets.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveCentral, Eastern, Nairobi, Nyanza, Rift Valley, Western

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 94,610,000
Portfolio (USD)USD 929,070.20
Active Clients with Loans1,000
Approximate % Female Clients0
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To strengthen the economic base of low-income farmers of the targeted communities, through their incresed access to easy and cost effective financial services, capacity building initiatives and upstream/downstream markets
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months10%
Between 10 and 12 months50%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 50,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,0000
PKR 50,000-75,00010%
PKR 75,000-150,00090%
Greater than PKR 150,00090%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term7.0 months
Approx average6.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Management Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
Criteria10% for first cycle loans, 25% for multiple cycle loans.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 200
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0.50%
Maximum interest rate paid0.50%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionprocessing fee and clients death insurance fee
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Jinue Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 7,500KES 11,900KES 20,000KES 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-072013-05-202013-06-072013-03-14
Loan Term (Months)5.8 months5.8 months12.0 months12.0 months
Grace Period (Months)0.7 months0.7 months0.7 months0.7 months
Total Cost of CreditKES 1,125KES 1,785KES 5,200KES 7,800
True Price by Comp       
Interest price component37.9%37.9%38.7%38.7%
Fee Component7.4%7.4%4.1%4.1%
Insurance Component7.7%7.7%4.1%4.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component117.1%78.5%80.1%61.0%
Full APR (int fee ins tax dep)170.1%131.5%127.0%108.0%
Transparency Index13171720
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Agri Value Chain samples
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 50,000 Generated 2015-06-01 5.9 months N/A PKR 5,681.51 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 70,000 Generated 2015-06-01 5.9 months N/A PKR 7,954.11 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 76,000 Generated 2015-06-01 5.9 months N/A PKR 8,635.89 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 80,000 Generated 2015-06-01 5.9 months N/A PKR 9,090.41 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 85,000 Generated 2015-06-01 5.9 months N/A PKR 9,658.56 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 90,000 Generated 2015-06-01 5.9 months N/A PKR 10,226.71 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 95,000 Generated 2015-06-01 5.9 months N/A PKR 10,794.86 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 100,000 Generated 2015-06-01 5.9 months N/A PKR 11,363.01 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
Jinue Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeMultipleLoan PurposeECLOF KenyaInstitutionKE-015-V02-P03ProductKECountry2013YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,5001,10070030040Number of Borrowers
Click to view Price Analysis Tool
Agri Value Chain Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAgricultureLoan PurposeJWSInstitutionPK-010-V02-P02ProductPKCountry2015YearRange Number2Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%5%10%15%20%Full APR (int fee ins tax dep)> 630Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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