2. Opportunity 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. Crezcamos
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Kenya Limited Geomaps Center, 1st Floor, Matumbato Road, Upper HillP.O. Box 19497Nairobi
Data approved: 2013-05-31
Data version: 2
Age of data: 145 months
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Institution

Crezcamos S.A. Calle 47 # 29 - 65 SotomayorBucaramanga, Santander
Data approved: 2011-03-15
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://opportunity.net/kenya/
Year established2006
Head of InstitutionLydia Njoroge
Regions activeNairobi, Nyanza, Rift Valley, Western
# Branches11

Total Portfolio (nat'l)KES 402,920,910
Total Portfolio (USD)USD 4,866,194.57
Active clients with loans9,122
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, AMFI
FundersOpportunity International USA, Wedco Enterprises Limited

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://www.crezcamos.com/
Year established2006
Head of InstitutionMauricio Osorio Sanchez
Regions active
# Branches7

Total Portfolio (nat'l)COP 41,163,048,864
Total Portfolio (USD)USD 22,617,059.82
Active clients with loans25,888
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Msingi
8,350 Borrowers
USD 4,275,644.64 Portfolio
Active Product
Nguzo
219 Borrowers
USD 192,861.27 Portfolio
Active Product
Somesha
368 Borrowers
USD 107,971.27 Portfolio
Active Product
Asset
165 Borrowers
USD 160,931.62 Portfolio
Active Product
Individual
20 Borrowers
USD 128,785.77 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Crediagro
1,319 Borrowers
USD 1,500,912.94 Portfolio
Active Product
Credinegocio
19,006 Borrowers
USD 14,641,068.93 Portfolio
Active Product
Crediop.
1,683 Borrowers
USD 421,211.58 Portfolio
Active Product
Credireno.
5,572 Borrowers
USD 6,001,597.16 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Msingi Loan KES 10,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 12 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Nguzo Loan KES 50,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 24 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Somesha (Education) Loan KES 5,000 - 100,000 3 - 12 40% - 60% 60% - 80% Education Women, Men, Must be attending an educational institution or have a dependent attending Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Asset Loan KES 5,000 - 2,000,000 6 - 36 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CREDIAGRO COP 500,000 - 13,390,000 6 - 36 20% - 40% 0% - 20% Business Women, Men, Have business Credit Ins
Credinegocio COP 500,000 - 13,300,000 6 - 24 60% - 80% 40% - 60% Business Women, Men, Have business Credit Ins
Credioportuno COP 200,000 - 1,606,800 2 60% - 80% 20% - 40% Business Women, Men, Have business, Cliente con crédito vigente que tenga un saldo menor al 50% del valor desembolsado Credit Ins
Credirenovacion COP 500,000 - 13,390,000 6 - 36 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CREDIAGRO 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 42.1% - 49.3% 43% - 50.2% 62
Credinegocio 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 42.7% - 49.4% 43.6% - 50.3% 61
Credioportuno 28.8%-34.0% annual, Decl Bal 1 Fee 1 Ins None N/A 39.3% - 40.6% 39.6% - 40.9% 72
Credirenovacion 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins None N/A 41.5% - 49.5% 42.6% - 50.4% 64

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CREDIAGRO 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 42.1% - 49.3% 43% - 50.2% 62
Credinegocio 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 42.7% - 49.4% 43.6% - 50.3% 61
Credioportuno 28.8%-34.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 39.3% - 40.6% 39.6% - 40.9% 72
Credirenovacion 28.8%-34.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 41.5% - 49.5% 42.6% - 50.4% 64
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessEducationLoan PurposeOpportunity KenyaInstitutionKE-021-V02-P01KE-021-V02-P02KE-021-V02-P03KE-021-V02-P04ProductKECountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 80040040Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeCrezcamosInstitutionCO-016-V01-P01CO-016-V01-P02CO-016-V01-P03CO-016-V01-P04ProductCOCountry2011YearRange Number1Institution Data Version02,000,0004,000,0006,000,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 9,5007,1004,7002,300200Number 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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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
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