Kenya Women Finance Trust Deposit Taking Microfinance Ltd - MFTransparency.org Truth In Lending Tables

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

Institution

Kenya Women Finance Trust Deposit Taking Microfinance Ltd P.O. Box 4179 - 00506Kiambere Road, Upper HillNairobi

Data approved: 2013-06-24

Data version: 2

Age of data: 145 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.kwftdtm.com
Year established	1982
Head of Institution	Mwangi Githaiga
Regions active	Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches	235

Total Portfolio (nat'l)	KES 13,743,335,462
Total Portfolio (USD)	USD 165,982,312.30
Active clients with loans	250,748
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	Women's World Banking, AMFI, AFRACA
Funders	KWH, Employee Share Ownership Plan (ESOP)

Loan Products » Summary

Biashara

219,089 Borrowers

USD 147,326,470.70 Portfolio

Consumer

3,642 Borrowers

USD 1,049,663.59 Portfolio

Elimu

13,496 Borrowers

USD 6,138,841.28 Portfolio

Mwamba

7,643 Borrowers

USD 7,066,361.15 Portfolio

Mwangaza

38,391 Borrowers

USD 3,285,406.97 Portfolio

Start Up

12,383 Borrowers

USD 1,115,568.65 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Biashara Loan	KES 10,000 - 45,000,000	6 - 60	60% - 80%	0% - 20%	Business	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment
Consumer Loan	KES 10,000 - 200,000	6 - 18	80% - 100%	0% - 20%	Consumer	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Elimu Loan	KES 5,000 - 200,000	6 - 12	80% - 100%	0% - 20%	Education	Women, Have business, Evidence of school admission/attendance	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agricultural Loan	KES 10,000 - 45,000,000	6 - 36	80% - 100%	0% - 20%	Business, Agriculture	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Leadership, Women Empowerment
Energy Loan	KES 50,000 - 200,000	6 - 36	80% - 100%	0% - 20%	Business, Other	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Asset Financing Loan	KES 50,000 - 10,000,000	6 - 60	80% - 100%	0% - 20%	Business	Women, Must be willing to set up a viable business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara Loan	20.0%-21.6% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37.1% - 42.8%	47.8% - 60.2%	35
Consumer Loan	18.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	40.6% - 40.7%	52.7% - 55.7%	33
Elimu Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	38% - 43.9%	52.7% - 61.3%	35
Agricultural Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37% - 42.8%	47% - 56.9%	36
Energy Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	36.8% - 40.8%	51.9% - 57.7%	33
Asset Financing Loan	11.2%-20.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	35.9% - 41.4%	43.9% - 56.7%	22

Institution Price Graph

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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

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab

Data approved: 2015-05-05

Data version: 2

Age of data: 118 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 39,106,650
Portfolio (USD)	USD 384,027.30
Active Clients with Loans	1,831
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Live Stock, Breeding, Rearing etc.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance
Workplace visits	x
Business training
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group	x
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	2
# Regions for this product	1
Regions Active	Punjab

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 5,000
Maximum loan size	75,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	10%
PKR 10,000-25,000	30%
PKR 25,000-50,000	40%
PKR 50,000-75,000	20%
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	10%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months	x
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	26.00%
Highest quoted nominal interest	31.00%
Reason(s) why interest rate varies	Time as Client
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	LOAN PROCESSING FEE
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Varies on loan size
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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Livestock Loan samples

Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	True Price by Component					Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 25,000	Real	2015-03-25	12.0 months	N/A	PKR 6,982	34.0%	29.8%	4.2%	0.0%	0.0%	0.0%	77	PDF	PDF
PKR 25,000	Generated	2015-06-01	11.8 months	N/A	PKR 6,618.57	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 20,000	Real	2015-03-25	12.0 months	N/A	PKR 5,366	32.9%	28.7%	4.2%	0.0%	0.0%	0.0%	79	PDF	PDF
PKR 20,000	Generated	2015-06-01	11.8 months	N/A	PKR 5,294.86	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 26,000	Generated	2015-06-01	11.8 months	N/A	PKR 6,883.32	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 30,000	Generated	2015-06-01	11.8 months	N/A	PKR 7,942.29	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 40,000	Generated	2015-06-01	11.8 months	N/A	PKR 10,589.72	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 50,000	Generated	2015-06-01	11.8 months	N/A	PKR 13,237.15	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 60,000	Generated	2015-06-01	11.8 months	N/A	PKR 15,884.58	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF
PKR 65,000	Generated	2015-06-01	11.8 months	N/A	PKR 17,208.29	33.1%	28.9%	4.2%	0.0%	0.0%	0.0%	79	-	PDF

Livestock Loan Price Graphs

Loan Size/

Loan Term/

Custom

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
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	From 0 to
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Description

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Term and Grace Period

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Livestock Loan samples

Livestock Loan Price Graphs

Total Borrowers of Samples

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