2. CCOM
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ECLOF Kenya
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Caixa Comunitaria de Microfinancas Av. Das FPLM,832ICB e Loja de PeasMaputo
Data approved: 2013-05-09
Data version: 2
Age of data: 146 months
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Institution

Kenya Ecumenical Loan Fund (ECLOF) P.O. Box 34889Nairobi
Data approved: 2013-05-29
Data version: 2
Age of data: 146 months
Choose version
  • No previous version for this product.

Product

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Product Summary

Number borrowers1,080
Loan Amount (range)MZN 10,000 - 100,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method54.0% annual, Decl Bal
Fees1.00% upfront
Insurance1.00% upfront
TaxNone
Comp Dep30.0% upfront
Range of pricing 
Interest Price Component32.1% - 51.0%
Fee Component1.5% - 3.6%
Insurance Component1.5% - 3.6%
Tax Component Range0
Full APR (int fee ins tax dep)96.8% - 108.0%
Transparency Index (min/max)46 - 97
Transparency Index (average)53

Product Summary

629
KES 8,666 - 21,420
3 - 12
Credit Educ, Credit Ins
19.0% annual, Flat
2.00% upfront
2.00% upfront
None
N/A
 
26.8% - 38.7%
2.0% - 7.5%
2.1% - 7.7%
0
37.7% - 42.0%
13 - 51
46

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 21,897,331.13
Portfolio (USD)USD 720,306.95
Active Clients with Loans1,080
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito para o comercio para clientes existentes com actividade Comercial
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Gaza, Cabo Delgado

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,017,405
Portfolio (USD)USD 36,442.09
Active Clients with Loans629
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
An affordable comprehensive in/outpatient medical cover.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
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

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 10,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 8,666
Maximum loan size21,420
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 term3.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
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

Pricing Information

Interest
Lowest quoted nominal interest4.50%
Highest quoted nominal interest4.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCobertura de despesas administrativas
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRelativo a cobertura em caso de falecimento
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited30.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest19.00%
Highest quoted nominal interest19.00%
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 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

Credito Individual CCOM samples
Sample 1Sample 2Sample 3Sample 5
Loan AmountMZN 15,000MZN 30,000MZN 40,000MZN 70,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-302013-05-282013-04-232013-04-02
Loan Term (Months)6.0 months10.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditMZN 2,662.50MZN 8,025MZN 12,500MZN 21,875
True Price by Comp       
Interest price component51.0%49.5%49.0%49.1%
Fee Component3.6%2.3%2.0%2.0%
Insurance Component3.6%2.3%2.1%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component49.8%45.4%43.7%43.8%
Full APR (int fee ins tax dep)108.0%99.5%96.8%97.0%
Transparency Index50545656
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Afya Loan samples
Sample 1Sample 2Sample 3
Loan AmountKES 8,666KES 10,875KES 8,766
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-012013-06-052013-07-26
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.7 months0.7 months1.0 month
Total Cost of CreditKES 1,993.18KES 2,501.25KES 2,016.15
True Price by Comp     
Interest price component33.8%33.8%30.4%
Fee Component4.0%4.0%3.6%
Insurance Component4.1%4.2%3.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)41.9%42.0%37.7%
Transparency Index454550
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Individual CCOM Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCCOMInstitutionMZ-008-V02-P01ProductMZCountry2013YearRange Number2Institution Data Version020,00040,00060,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 100506Number of Borrowers
Click to view Price Analysis Tool
Afya Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeEmergencyLoan PurposeECLOF KenyaInstitutionKE-015-V02-P07ProductKECountry2013YearRange Number2Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 60030030Number 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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By Country

Total Borrowers of Samples

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