| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 164 |
| AJDFI | 13,100 | 884,000 | 6 | 164 |
| ARDCI | 44,600 | 9,403,000 | 1 | 164 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 164 |
| ASHI | 35,400 | 5,231,000 | 6 | 164 |
| ASKI | 60,000 | 15,247,000 | 4 | 164 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 164 |
| BSEI | 600 | 73,000 | 2 | 164 |
| CBI | 8,100 | 2,010,000 | 5 | 164 |
| CCT | 70,300 | 9,504,000 | 4 | 164 |
| CEV | 35,400 | 5,111,000 | 4 | 164 |
| DSPI | 59,300 | 3,676,000 | 3 | 164 |
| ECLOF | 5,400 | 1,836,000 | 4 | 164 |
| FCB | 12,000 | 2,392,000 | 2 | 164 |
| FMB | 2,700 | 710,000 | 2 | 164 |
| GM Bank | 23,500 | 1,553,000 | 3 | 164 |
| HSPFI | 19,100 | 1,899,000 | 2 | 164 |
| JVOFI | 1,300 | 281,000 | 1 | 164 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 164 |
| KDCI | 20,500 | 2,095,000 | 3 | 164 |
| KGI | 32,300 | 3,421,000 | 4 | 164 |
| KMBI | 245,000 | 15,098,000 | 1 | 164 |
| LTMPC | 37,400 | 8,935,000 | 3 | 164 |
| Mallig Plains | 6,500 | 641,000 | 2 | 164 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 164 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 163 |
| NWTF | 105,500 | 12,698,000 | 5 | 164 |
| OFMPC | 4,400 | 964,000 | 1 | 164 |
| PBC | 50,700 | 10,434,000 | 4 | 164 |
| PCSD | 700 | 167,000 | 1 | 164 |
| PMPC | 23,500 | 5,565,000 | 8 | 164 |
| RB Angeles | 900 | 1,502,000 | 2 | 164 |
| RB Labason | 500 | 289,000 | 1 | 164 |
| RBLI | 5,200 | 1,026,000 | 2 | 164 |
| RBMI | 11,900 | 1,750,000 | 2 | 164 |
| RMB | 100 | 173,000 | 1 | 164 |
| RSPI | 39,600 | 2,834,000 | 4 | 164 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 164 |
| Salve | 10,900 | 1,191,000 | 3 | 164 |
| SEDP | 27,000 | 3,914,000 | 3 | 164 |
| TSKI | 212,900 | 25,187,000 | 2 | 164 |
| TSPI | 264,500 | 31,290,000 | 7 | 164 |
| Valient | 1,700 | 672,000 | 2 | 164 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | No |
| Website address | http://www.eclof-kenya.org/ |
| Year established | 1994 |
| Head of Institution | Mary Munyiri |
| Regions active | Central, Eastern, Nairobi, Nyanza, Rift Valley, Western |
| # Branches | 16 |
| Total Portfolio (nat'l) | KES 470,400,975 |
| Total Portfolio (USD) | USD 5,681,171.20 |
| Active clients with loans | 19,987 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | ECLOF International, AMFI |
| Funders | ECLOF International, Water.org, Church of Sweden |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | KES 5,000 - 200,000 | 3 - 12 | 40% - 60% | 0% - 20% | Education | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Jinue Loan | KES 5,000 - 30,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Consumer | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Jiwezeshe Loan | KES 5,000 - 300,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Tatua Shida Loan | KES 5,000 - 50,000 | 3 - 6 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Ukulima Loan | KES 5,000 - 200,000 | 6 - 12 | 40% - 60% | 20% - 40% | Agriculture | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Afya Loan | KES 8,666 - 21,420 | 3 - 12 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Maji Safi Loan | KES 5,000 - 100,000 | 9 - 24 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Boma Safi Loan | KES 5,000 - 200,000 | 6 - 24 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 33.1% - 36.1% | 36.9% - 40.2% | 47 | ||||||||
| Jinue Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-25.0% upfront 200.00 ongoing | 42.8% - 45.3% | 108% - 170.1% | 16 | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-25.0% upfront 200.00 ongoing | 33.6% - 41.6% | 61.6% - 91.2% | 23 | ||||||||
| Tatua Shida Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 45.4% | 53% | 42 | ||||||||
| Ukulima Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.5% - 42% | 43.6% - 49.6% | 44 | ||||||||
| Afya Loan | 19.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34% - 37.8% | 37.7% - 42% | 46 | ||||||||
| Maji Safi Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.5% - 42% | 43.6% - 49.6% | 44 | ||||||||
| Boma Safi Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 36.8% - 42% | 39.1% - 49.6% | 45 |
| 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 |
|---|---|---|---|---|---|---|---|
