Please note that the information you are viewing is 83 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Jamii Bora P.O. Box 22741-00400Nairobi
Data approved: 2013-07-02
Data version: 2
Age of data: 83 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.jamiibora.org/
Year established1999
Head of InstitutionMr Samuel Kimani
Regions activeCentral, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western
# Branches58

Total Portfolio (nat'l)KES 279,407,650
Total Portfolio (USD)USD 3,374,488.53
Active clients with loans2,446
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

1,004 Borrowers
USD 2,508,031.40 Portfolio
Active Product
242 Borrowers
USD 204,510.27 Portfolio
Active Product
58 Borrowers
USD 139,492.75 Portfolio
Active Product
1,142 Borrowers
USD 522,454.11 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Daraja Individual KES 100,001 - 500,000 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Must have taken at least 3 Micro Individual loans with a perfect repayment rate. Credit Educ, Credit Ins, Business Training
Micro Individual KES 5,000 - 100,000 1 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Must have saved money in a Jamii Bora account for at least six weeks Credit Educ, Credit Ins, Business Training
Daraja Group KES 100,000 - 500,000 24 20% - 40% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Micro Group KES 5,000 - 100,000 12 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Daraja Individual 20.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 35.2% 52.1% - 52.2% 38
Micro Individual 22.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 39.4% - 40.1% 61.1% - 63.2% 35
Daraja Group 20.0% annual, Flat 1 Fee 1 Ins None 30.0%-50.0% upfront 36.8% - 37.2% 69.7% - 70.8% 28
Micro Group 22.0% annual, Flat 1 Fee 1 Ins None 30.0%-50.0% upfront 42.7% - 42.8% 89.2% 25
Institution Price Graph
Please note that the information you are viewing is 71 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 71 months

Product

Microcredito para Comercio y Servicios (USD) Product 6 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 39,912,313
Portfolio (USD)USD 39,912,313
Active Clients with Loans740
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito destinado a satisfacer las necesidades de capital de trabajo o capital de inversiones de agricultores, microempresarios o trabajadores por cuenta propia, desde US$ 200 hasta US$ 10.000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size126,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50015%
USD 1,500-5,00020%
USD 5,000-10,00030%
USD 10,000-15,00015%
USD 15,000-18,00010%
Greater than USD 18,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term60.0 months
Approx average48.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months15%
Between 13 and 18 months20%
Longer than 18 months50%
Grace Period
Grace period usage10%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 months
Every 12 monthsx
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest27.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.30%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito para Comercio y Servicios (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 5,500USD 10,000USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-052014-04-012014-04-01
Loan Term (Months)18.0 months24.0 months37.0 months
Grace Period (Months)3.1 months0.0 months0.0 months
Total Cost of CreditUSD 1,170.50USD 2,875USD 4,301.25
True Price by Comp     
Interest price component22.5%26.7%18.0%
Fee Component0.0%0.0%0.0%
Insurance Component0.6%0.6%0.6%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.1%27.3%18.6%
Transparency Index786697
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microcredito para Comercio y Servicios (USD) Price Graphs


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