Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.fubode.org/ |
Year established | 1997 |
Head of Institution | Luis Fernando Torrez Ontivero |
Regions active | 0 |
# Branches | 14 |
Total Portfolio (nat'l) | BOB 55,864,393 |
Total Portfolio (USD) | USD 8,276,206.37 |
Active clients with loans | 15,461 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | VisionFund Internacional, FINRURAL |
Funders | World Vision Suiza, World Vision Alemania, World Vision Estados Unidos, World Vision Canada |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.microafricagroup.com/ |
Year established | 2000 |
Head of Institution | James Mugambi |
Regions active | Central, Coast, Eastern, Nairobi, Rift Valley |
# Branches | 11 |
Total Portfolio (nat'l) | KES 770,993,115 |
Total Portfolio (USD) | USD 9,311,511.05 |
Active clients with loans | 13,164 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Asociativo | USD 2,000 - 18,000 | 4 - 48 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Grupo Comunal (Banco Comunal) | BOB 500 - 14,500 | 4 - 8 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Other Training | |||||||
Microcrédito de Vivienda | USD 1,000 - 10,000 | 6 - 72 | 40% - 60% | 40% - 60% | Housing, Education, No se puede usar para negocio | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Microcrédito Grupo Solidario | USD 150 - 1,500 | 4 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits | |||||||
Microcrédito Productivo Individual (USD) | USD 200 - 10,000 | 4 - 48 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara | KES 50,000 - 3,000,000 | 3 - 24 | 40% - 60% | 40% - 60% | Business, Housing, Other | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Group | KES 3,000 - 1,500,000 | 3 - 24 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Must be known by the other members | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Maji Nyumbani | KES 6,192 - 63,184 | 3 - 12 | 60% - 80% | 0% - 20% | This loan is for the purchase of water tanks only | Women, Men | Credit Educ, Other Training | |||||||
Government Check Off | KES 1 - 1,000,000 | 3 - 60 | 0% - 20% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Educ | |||||||
Payroll (MOU) | KES 1 - 300,000 | 3 - 24 | 0% - 20% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Credit Ins | |||||||
Solar | KES 2,990 - 41,400 | 3 - 12 | 40% - 60% | 0% - 20% | Housing | Women, Men | Credit Educ, Other Training | |||||||
Emergency | KES 3,000 - 10,000 | 3 - 4 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men | Credit Educ, Other Training | |||||||
School Fees | KES 10,000 - 50,000 | 3 - 6 | 60% - 80% | 40% - 60% | Education | Women, Men | Credit Educ, Group Mtgs, Other Training | |||||||
Biogas | KES 20,000 - 250,000 | 3 - 18 | 40% - 60% | 0% - 20% | Consumer | Women, Men, Have home or land | Credit Educ, Group Mtgs, Tech Asst Visits, Other Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Asociativo | 15.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 15.5% - 24.4% | 15.6% - 24.8% | 76 | ||||||||
Grupo Comunal (Banco Comunal) | 30.0%-33.6% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront 14.00% ongoing | 56% - 68.7% | 56.4% - 96.3% | 41 | ||||||||
Microcrédito de Vivienda | 16.0%-24.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 16.2% - 28.4% | 16.7% - 28.9% | 64 | ||||||||
Microcrédito Grupo Solidario | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 21.1% - 34% | 21.3% - 34% | 63 | ||||||||
Microcrédito Productivo Individual (USD) | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | 15.00% Principal | N/A | 31.6% - 32.6% | 31.7% - 33% | 55 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 41.5% - 47.5% | 44.3% - 64% | 44 | |||||||||
Group | 20.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0%-20.0% upfront 400.00 ongoing | 37% - 42.9% | 59.1% - 79.9% | 31 | ||||||||
Maji Nyumbani | 22.0% annual, Flat | 0 Fees | 1 Ins | None | 10.0%-20.0% upfront | 37.9% - 38.5% | 49.8% - 52% | 43 | ||||||||
Government Check Off | 23.3%-30.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 49.8% - 51.9% | 50.9% - 52.4% | 45 | ||||||||
Payroll (MOU) | 22.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 41.9% - 46% | 43.7% - 49.1% | 48 | ||||||||
Solar | 20.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 34.4% - 35.6% | 34.4% - 35.6% | 57 | ||||||||
Emergency | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 29.7% - 31.6% | 38.6% - 41.2% | 45 | ||||||||
School Fees | 22.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 31.6% - 34.2% | 37.8% - 40.9% | 91 | ||||||||
Biogas | 20.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 32.3% - 32.4% | 35.8% - 35.9% | 56 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Asociativo | 15.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 15.5% - 24.4% | 15.6% - 24.8% | 76 | ||||||||
Grupo Comunal (Banco Comunal) | 30.0%-33.6% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront 14.00% ongoing | 56% - 68.7% | 56.4% - 96.3% | 41 | ||||||||
Microcrédito de Vivienda | 16.0%-24.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 16.2% - 28.4% | 16.7% - 28.9% | 64 | ||||||||
Microcrédito Grupo Solidario | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 21.1% - 34% | 21.3% - 34% | 63 | ||||||||
Microcrédito Productivo Individual (USD) | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 15.00% Principal | N/A | 31.6% - 32.6% | 31.7% - 33% | 55 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 41.5% - 47.5% | 44.3% - 64% | 44 | |||||||||
Group | 20.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0%-20.0% upfront 400.00 ongoing | 37% - 42.9% | 59.1% - 79.9% | 31 | ||||||||
Maji Nyumbani | 22.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 10.0%-20.0% upfront | 37.9% - 38.5% | 49.8% - 52% | 43 | ||||||||
Government Check Off | 23.3%-30.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 49.8% - 51.9% | 50.9% - 52.4% | 45 | ||||||||
Payroll (MOU) | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 41.9% - 46% | 43.7% - 49.1% | 48 | ||||||||
Solar | 20.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 34.4% - 35.6% | 34.4% - 35.6% | 57 | ||||||||
Emergency | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 29.7% - 31.6% | 38.6% - 41.2% | 45 | ||||||||
School Fees | 22.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 31.6% - 34.2% | 37.8% - 40.9% | 91 | ||||||||
Biogas | 20.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 32.3% - 32.4% | 35.8% - 35.9% | 56 |
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