2. Jamii Bora
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  2. OISL
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Institution

Jamii Bora P.O. Box 22741-00400Nairobi
Data approved: 2013-07-02
Data version: 2
Age of data: 134 months
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Institution

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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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

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionCosmus Juma Kowuoche
Regions active0
# Branches20

Total Portfolio (nat'l)GHS 24,784,265
Total Portfolio (USD)USD 16,522,843.33
Active clients with loans41,836
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

Daraja Indv
1,004 Borrowers
USD 2,508,031.40 Portfolio
Active Product
Micro Indv
242 Borrowers
USD 204,510.27 Portfolio
Active Product
Daraja Group
58 Borrowers
USD 139,492.75 Portfolio
Active Product
Micro Group
1,142 Borrowers
USD 522,454.11 Portfolio
Active Product
Women
Retired Product
Housing Loan
Retired Product

Loan Products » Summary

Agriculture
536 Borrowers
USD 79,274 Portfolio
Active Product
Family
59 Borrowers
USD 40,122 Portfolio
Active Product
Group
37,299 Borrowers
USD 11,763,077 Portfolio
Active Product
Individual
2,711 Borrowers
USD 3,000,532 Portfolio
Active Product
ISME
74 Borrowers
USD 337,021 Portfolio
Active Product
Susu
791 Borrowers
USD 685,319 Portfolio
Active 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 2,422 - 7,063 4 - 8 20% - 40% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ
Salary Loan GHS 200 - 7,808 6 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 145 - 4,000 3 - 12 80% - 100% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 500 - 30,300 2 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
ISME / Edufinance GHS 2,000 - 101,000 10 - 37 20% - 40% 80% - 100% Business, Education Women, Men, Have business Tech Asst Visits, Business Training
Susu Loan GHS 151 - 10,700 3 - 12 40% - 60% 0% - 20% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39

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 Ins None 20.0% upfront 35.2% 52.1% - 52.2% 38
Micro Individual 22.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 39.4% - 40.1% 61.1% - 63.2% 35
Daraja Group 20.0% annual, Flat 1 Fee 1 Ins 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 Ins None 30.0%-50.0% upfront 42.7% - 42.8% 89.2% 25

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39
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