| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2001 |
| Head of Institution | Bernardo Luis Tembe |
| Regions active | Maputo Capital, Maputo Province |
| # Branches | 7 |
| Total Portfolio (nat'l) | MZN 89,981,867.66 |
| Total Portfolio (USD) | USD 2,959,929.86 |
| Active clients with loans | 5,382 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMOMIF, AFRACA |
| Funders | Ford Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.eclof-kenya.org/ |
| Year established | 1994 |
| Head of Institution | Rose Wanjohi |
| Regions active | 0 |
| # Branches | 16 |
| Total Portfolio (nat'l) | KES 329,725,948 |
| Total Portfolio (USD) | USD 3,982,197.44 |
| Active clients with loans | 17,729 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | MZN 1,500 - 350,000 | 4 - 18 | 60% - 80% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Credito Agro-pecuaria/ Agro-negocios | MZN 1,500 - 200,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training | |||||||
| Credito Habitacao e Bens de consumo | MZN 1,500 - 600,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | KES 1,000 - 30,000 | 3 - 12 | 40% - 60% | 0% - 20% | Education | Women, Men, Have business | Credit Ins | |||||||
| Jinue Loan | KES 1,000 - 30,000 | 3 - 12 | 40% - 60% | 0% - 20% | Business, Consumer | Women, Men, Have business | Credit Ins | |||||||
| Jiwezeshe Loan | KES 1,000 - 300,000 | 3 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
| Tatua Shida Loan | KES 1,000 - 15,000 | 3 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | 55.2% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 50% - 53.6% | 52.1% - 55.8% | 100 | ||||||||
| Credito Agro-pecuaria/ Agro-negocios | 34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 30.5% - 35% | 32.5% - 37% | 100 | ||||||||
| Credito Habitacao e Bens de consumo | 50.4% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 43.7% - 49.3% | 45.9% - 51.5% | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Jinue Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | 25.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins | None | 10.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Tatua Shida Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | 15.0% upfront 200.00 ongoing | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercio & Servicos | 55.2% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 50% - 53.6% | 52.1% - 55.8% | 100 | ||||||||
| Credito Agro-pecuaria/ Agro-negocios | 34.8% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 30.5% - 35% | 32.5% - 37% | 100 | ||||||||
| Credito Habitacao e Bens de consumo | 50.4% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 43.7% - 49.3% | 45.9% - 51.5% | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Jinue Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 25.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Tatua Shida Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 15.0% upfront 200.00 ongoing | 0% | 0% | N/A |
| 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 |
|---|---|---|---|---|---|---|---|
