2. Equity Bank
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CEPESIU
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Equity Bank P.O. Box 75104-00200Hospital Road, Equity Centre, 9th FloorNairobi
Data approved: 2013-09-23
Data version: 2
Age of data: 134 months
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Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 164 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.equitybank.co.ke/
Year established1984
Head of InstitutionDr. James Mwangi
Regions activeCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches112

Total Portfolio (nat'l)KES 126,533,000,000
Total Portfolio (USD)USD 1,528,176,329
Active clients with loans655,969
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAMFI, WWB, MFN, GNBI
FundersHelios EB Investor LP (HELIOS), British-American Investments Company (Kenya) Ltd, IFC

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Agriculture
418 Borrowers
USD 1,032,439.51 Portfolio
Active Product
Asset
900 Borrowers
USD 3,025,092.36 Portfolio
Active Product
Biashara
33,227 Borrowers
USD 33,248,673.42 Portfolio
Active Product
Business
339 Borrowers
USD 711,816.73 Portfolio
Active Product
Imara
15,474 Borrowers
USD 17,085,372.51 Portfolio
Active Product
Shaba
14,839 Borrowers
USD 7,305,703.83 Portfolio
Active Product
Farm Input
34,018 Borrowers
USD 15,709,402.11 Portfolio
Active Product
Insurance
6,820 Borrowers
USD 4,117,191.73 Portfolio
Active Product
Vijana
29,548 Borrowers
USD 12,511,287.02 Portfolio
Active Product
Fedha
Retired Product

Loan Products » Summary

Directo
166 Borrowers
USD 66,556.84 Portfolio
Active Product
Individual
176 Borrowers
USD 157,302.20 Portfolio
Active Product
Solidario
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Commercial Loan KES 100,000 - 4,000,000,000 1 - 36 20% - 40% 0% - 20% Agriculture, Purchase of farm inputs and farm machinery. Women, Men, Must be in commercial farming for over a year, Active account with Equity Credit Ins
Asset Finance Loan KES 100,000 - 4,000,000,000 1 - 48 20% - 40% 40% - 60% Business, Loan specifically used for purchase of assets. Women, Men, Equity customer for at least a month or other bank statement, Purchased asset is used as loan security Credit Ins
Biashara Imara Loan KES 5,000 - 500,000 1 - 18 20% - 40% 20% - 40% Business Women, Men, Have business, Operated the business for over a year Credit Ins, Tech Asst Visits, Business Training
Business Loan KES 300,000 - 4,000,000,000 1 - 60 20% - 40% 40% - 60% Business Women, Men, Have business, Operated the business for over a year, Active account for over 6 mos with Equity or other bank Credit Ins
Fanikisha - Imara - Loan KES 30,000 - 500,000 1 - 18 100% 20% - 40% Business Women, Have business Credit Ins, Tech Asst Visits, Business Training, Access to business improvement training at discount rates.
Fanikisha - Shaba - Loan KES 1,000 - 300,000 6 - 18 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Farm Input Loan KES 1,000 - 100,000 1 - 12 20% - 40% 0% Business, Purchase of farm inputs Women, Men, Must be in small scale or commercial farming, Active Equity Bank account Credit Ins
Insurance Premium Finance Loan KES 5,000 - 4,000,000,000 4 - 10 0% - 20% 40% - 60% Can only be used for financing insurance premiums. Women, Men
Vijana Business Loan KES 1,000 - 100,000 1 - 12 20% - 40% 20% - 40% Business Women, Men, Have business, Specific age group, Must have undergone group training, Mustbe 18-35 years old Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Commercial Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None N/A 21.3% - 24.9% 21.7% - 26.5% 77
Asset Finance Loan 8.5%-10.0% annual, Flat 1 Fee 1 Ins None N/A 20% - 20.8% 20.4% - 21.5% 40
Biashara Imara Loan 20.0% annual, Flat 1 Fee 1 Ins None N/A 37.4% - 44% 38.5% - 46.3% 49
Business Loan 18.0%-20.0% annual, Decl Bal 1 Fee 1 Ins None N/A 21.3% - 25% 21.8% - 26.2% 75
Fanikisha - Imara - Loan 20.0% annual, Decl Bal 1 Fee 1 Ins None N/A 36.8% - 44.3% 37.7% - 46.6% 49
Fanikisha - Shaba - Loan 20.0% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 35.7% - 41.9% 43.9% - 52.7% 42
Farm Input Loan 19.0% annual, Flat 1 Fee 1 Ins None N/A 25.6% - 40.3% 27.1% - 41.6% 57
Insurance Premium Finance Loan 12.6%-13.5% annual, Flat 0 Fees 0 Ins None N/A 27.2% - 27.3% 27.2% - 27.3% 46
Vijana Business Loan 8.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 13.4% - 13.9% 20.3% - 21.8% 38

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Commercial Loan 18.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 21.3% - 24.9% 21.7% - 26.5% 77
Asset Finance Loan 8.5%-10.0% annual, Flat 1 Fee 1 Ins Ins None N/A 20% - 20.8% 20.4% - 21.5% 40
Biashara Imara Loan 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 37.4% - 44% 38.5% - 46.3% 49
Business Loan 18.0%-20.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 21.3% - 25% 21.8% - 26.2% 75
Fanikisha - Imara - Loan 20.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 36.8% - 44.3% 37.7% - 46.6% 49
Fanikisha - Shaba - Loan 20.0% annual, Decl Bal 1 Fee 1 Ins Ins None 10.0% upfront 35.7% - 41.9% 43.9% - 52.7% 42
Farm Input Loan 19.0% annual, Flat 1 Fee 1 Ins Ins None N/A 25.6% - 40.3% 27.1% - 41.6% 57
Insurance Premium Finance Loan 12.6%-13.5% annual, Flat 0 Fees 0 Ins Ins None N/A 27.2% - 27.3% 27.2% - 27.3% 46
Vijana Business Loan 8.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 13.4% - 13.9% 20.3% - 21.8% 38

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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