| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.pawdep.org/ |
| Year established | 2003 |
| Head of Institution | Julius Chege Muiruri |
| Regions active | 0 |
| # Branches | 8 |
| Total Portfolio (nat'l) | KES 480,000,000 |
| Total Portfolio (USD) | USD 5,797,101.45 |
| Active clients with loans | 44,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Emergency Loan | KES 1,000 - 20,000 | 1 | 80% - 100% | 0% - 20% | Any Purpose | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training of trainers for groups | |||||||
| Endeleza Loan | KES 100,000 - 500,000 | 6 - 20 | 80% - 100% | 0% - 20% | Any Purpose | Women, Can be either to new or graduating clients | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Eligible for scholarships to ISIU through Goldman Sachs 10,000 Women programme, Benefits from educational tours and fairs to display their products | |||||||
| Nuru Loan | KES 5,000 - 200,000 | 15 - 36 | 80% - 100% | 0% - 20% | Any Purpose | Women | Credit Educ, Group Mtgs, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Emergency Loan | 60.0% annual, Flat | 0 Fees | 0 Ins | None | 33.3% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Endeleza Loan | 15.0% annual, Flat | 0 Fees | 1 Ins | None | 30.0% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 40.0% upfront 200.00 ongoing | #N/A | #N/A | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 168 |
| AMZ | 4,900 | 651,000 | 2 | 168 |
| CETZAM | 6,700 | 2,210,000 | 4 | 168 |
| Eclof Zambia | 200 | 111,000 | 4 | 168 |
| Empowerment | 1,500 | 447,000 | 5 | 168 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 125 |
| Harmos | 9,800 | 1,398,000 | 3 | 168 |
| Kungoma | 43 | 18,000 | 2 | 168 |
| MBT | 13,900 | 1,563,000 | 5 | 168 |
| Meanwood | 2,000 | 1,766,000 | 5 | 168 |
| PFSL | 1,300 | 3,506,000 | 3 | 168 |
| Zambia CRC | 30 | 1,000 | 1 | 168 |
| 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 |
|---|---|---|---|---|---|---|---|
