Institution Type | Private 'For-Profit' |
Is this institution regulated? | N/A |
Website address | http://www.ujjivan.com/ |
Year established | 2005 |
Head of Institution | Samit Ghosh |
Regions active | 0 |
# Branches | 303 |
Total Portfolio (nat'l) | INR 5,128,997,735 |
Total Portfolio (USD) | USD 113,977,727.40 |
Active clients with loans | 665,778 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Association of Karnataka Microfinance Inst (AKMI), Sa-Dhan, Microfinance Insitutions Network (MFIN), Women's World Banking |
Institution Type | Other |
Is this institution regulated? | No |
Website address | http://www.musoni.eu |
Year established | 2010 |
Head of Institution | James Onyutta |
Regions active | Central, Eastern, Nairobi, Nyanza, Rift Valley |
# Branches | 15 |
Total Portfolio (nat'l) | KES 495,960,483 |
Total Portfolio (USD) | USD 5,989,860.91 |
Active clients with loans | 16,077 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders | Musoni Investment, Access Africa Fund ( Managed by Microvest), KFW, Grameen Foundation |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | INR 6,000 - 25,000 | 12 - 18 | 80% - 100% | 80% - 100% | Business | Women, Have business, Can also be taken for spouses/son's business | Credit Educ, Group Mtgs | |||||||
Education Loan | INR 3,000 - 10,000 | 12 | 80% - 100% | 80% - 100% | Education, Can only be used for education | Women | Credit Educ, Group Mtgs | |||||||
Emergency Loan | INR 2,000 - 2,000 | 6 | 80% - 100% | 80% - 100% | Other, Only for emergency use, Can NOT be used for business | Women | Group Mtgs | |||||||
Family Loan | INR 6,000 - 25,000 | 12 | 80% - 100% | 80% - 100% | Housing, Consumer, Education, Other | Women | Credit Educ, Group Mtgs |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | KES 5,000 - 140,000 | 3 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
Tuelimike ( School Fee Loan) | KES 5,000 - 70,000 | 3 - 9 | 40% - 60% | 60% - 80% | Education | Women, Men, Have business | Group Mtgs, Business Training, Other Training | |||||||
Wepesi ( Emengency Loan | KES 5,000 - 30,000 | 1 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Business Training, Other Training |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 0% | 27.2% | 29.6% | N/A | ||||||||||
Education Loan | 0% | 24.1% | 24.8% | N/A | ||||||||||
Emergency Loan | 0% | 23.8% | 23.8% | N/A | ||||||||||
Family Loan | 0% | 27.2% | 29.6% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% | 29.6% | 88 | ||||||||
Education Loan | 23.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 24.1% | 24.8% | 93 | ||||||||
Emergency Loan | 25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.8% | 23.8% | 100 | ||||||||
Family Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 27.2% | 29.6% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | 20.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront | 40.7% - 48.5% | 60.4% - 74.3% | 30 | ||||||||
Tuelimike ( School Fee Loan) | 22.0% annual, Flat | 1 Fee | 0 Ins | None | 20.0% upfront | 45.3% - 51.8% | 67.2% - 79.2% | 29 | ||||||||
Wepesi ( Emengency Loan | 90.0% annual, Up-Front | 0 Fees | 0 Ins | None | N/A | 93.6% | 93.6% | 96 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 0% | 27.2% | 29.6% | N/A | ||||||||||
Education Loan | 0% | 24.1% | 24.8% | N/A | ||||||||||
Emergency Loan | 0% | 23.8% | 23.8% | N/A | ||||||||||
Family Loan | 0% | 27.2% | 29.6% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% | 29.6% | 88 | ||||||||
Education Loan | 23.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 24.1% | 24.8% | 93 | ||||||||
Emergency Loan | 25.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.8% | 23.8% | 100 | ||||||||
Family Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 27.2% | 29.6% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Nawiri ( Group business Loan) | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.0% upfront | 40.7% - 48.5% | 60.4% - 74.3% | 30 | ||||||||
Tuelimike ( School Fee Loan) | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.0% upfront | 45.3% - 51.8% | 67.2% - 79.2% | 29 | ||||||||
Wepesi ( Emengency Loan | 90.0% annual, Up-Front | 0 Fees | 0 Ins Ins | None | N/A | 93.6% | 93.6% | 96 |
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