Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1989 |
Head of Institution | Engr. Panfilo Asares |
Regions active | |
# Branches | 3 |
Total Portfolio (nat'l) | PhP 101,848,650 |
Total Portfolio (USD) | USD 2,436,570.57 |
Active clients with loans | 12,752 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Microfinance Council of the Philippines, Inc. |
Funders |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.jamiibora.org/ |
Year established | 1999 |
Head of Institution | Mr Samuel Kimani |
Regions active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
# Branches | 58 |
Total Portfolio (nat'l) | KES 279,407,650 |
Total Portfolio (USD) | USD 3,374,488.53 |
Active clients with loans | 2,446 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Help (Individual) | PHP 20,000 - 150,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men | Tech Asst Visits, Other Training, Mortuary Fund/Life insurance | |||||||
Hiram (Group Loan) | PHP 3,000 - 100,000 | 6 | 60% - 80% | 20% - 40% | Business | Women, Men, Must have experience running a business | Group Mtgs, Tech Asst Visits, Business Training, Bookeeping, consultancy, Mortuary Fund/Life Insurance |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | KES 100,001 - 500,000 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have taken at least 3 Micro Individual loans with a perfect repayment rate. | Credit Educ, Credit Ins, Business Training | |||||||
Micro Individual | KES 5,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have saved money in a Jamii Bora account for at least six weeks | Credit Educ, Credit Ins, Business Training | |||||||
Daraja Group | KES 100,000 - 500,000 | 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Micro Group | KES 5,000 - 100,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
Key Statistics | |
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# 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 |
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