| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2002 |
| Head of Institution | Maria Anna de Rosas-Ignacio |
| Regions active | |
| # Branches | 17 |
| Total Portfolio (nat'l) | PhP 87,849,633 |
| Total Portfolio (USD) | USD 2,101,665.86 |
| Active clients with loans | 17,800 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Microfinance Council of the Philippines, Inc. (MCPI), Partnership for Philippine Support Service Agencies (PHILSSA), Philippine Council for NGO Certification (PCNC), RIMANSI (K-MBA) |
| Funders | PCFC, BPI Bangko, Peace and Equity Foundation |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| K-Edukasyon | PHP 3,000 - 15,000 | 3 - 6 | 80% - 100% | 80% - 100% | Education | Women, Men, Have home or land, Has an existing K-Negosyo loan | Group Mtgs | |||||||
| K-Kalusugan | PHP 380 - 3,920 | 3 - 6 | 80% - 100% | 80% - 100% | Health | Women, Men, Have home or land, Must be in loan cycle 2 of K-Negosyo | Group Mtgs, Health checks | |||||||
| K-Negosyo | PHP 3,000 - 150,000 | 3 - 9 | 80% - 100% | 80% - 100% | Business | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance, Fire and Catastrophe Insurance (by 2011) |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| K-Edukasyon | 30.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 57.2% - 58.3% | 57.2% - 58.3% | 51 | ||||||||
| K-Kalusugan | 30.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 57.8% - 60.3% | 57.8% - 60.3% | 50 | ||||||||
| K-Negosyo | 30.0% annual, Flat | 1 Fee | 2 Ins | None | 55.00 ongoing | 70.6% - 71.5% | 66% - 158.3% | 35 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| K-Edukasyon | 30.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 57.2% - 58.3% | 57.2% - 58.3% | 51 | ||||||||
| K-Kalusugan | 30.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 57.8% - 60.3% | 57.8% - 60.3% | 50 | ||||||||
| K-Negosyo | 30.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 55.00 ongoing | 70.6% - 71.5% | 66% - 158.3% | 35 |
| 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 | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
