| 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 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.celim.it/ |
| Year established | 2008 |
| Head of Institution | Elisa Morrone |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | ZMK 2,360,550,702 |
| Total Portfolio (USD) | USD 456,145.06 |
| Active clients with loans | 1,559 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Amiz, Mix Market |
| Funders | Rural Finance Programme/IFAD, European Union, CeLIM NGO |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | ZMK 2,000,000 - 6,000,000 | 10 - 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Small scale farmers, minimum one hectare | Business Training, Microcredit Scheme | |||||||
| Individual Loan | ZMK 500,000 - 7,000,000 | 4 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Household Approach, Monthly follow up of clients | |||||||
| Salary Backed Loan | ZMK 500,000 - 7,000,000 | 2 - 10 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
| Solidarity Group Loan | ZMK 400,000 - 1,200,000 | 4 - 10 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Record Keeping Training, Household Approach Training, Monthly Monitoring |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
| Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
| Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
| Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
| 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 Ins | None | 33.3% upfront 200.00 ongoing | #N/A | #N/A | N/A | ||||||||
| Endeleza Loan | 15.0% annual, Flat | 0 Fees | 1 Ins 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 Ins | None | 40.0% upfront 200.00 ongoing | #N/A | #N/A | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
| Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
| Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
| Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
| Key Statistics | |
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| % 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 |
|---|---|---|---|---|---|---|---|
