2. Jamii Bora
Please note that the information you are viewing is 135 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: 135 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

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 » 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
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  2. AMF
Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Attawfiq MF 3, rue Docteur VeyreRésidence PatioCasablanca, 20070
Data approved: 2013-09-12
Data version: 1
Age of data: 127 months

Product

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Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 23,108,000
Portfolio (USD)USD 2,718,588.24
Active Clients with Loans773
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
ATTAAHIL représente l ‘étape ultime du programme des crédits solidaires de la FBPMC. Il coïncide avec la dernière démarche dans les crédits évolutifs de la FBPMC.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancement du fonds de roulement et d'investissement
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
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 institution12
# Regions for this product12
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 40,500
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,0000
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,00010%
Greater than MAD 45,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average34.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months30%
Between 10 and 12 months10%
Between 13 and 18 months5%
Longer than 18 months5%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.50%
Highest quoted nominal interest1.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min1250
Fixed amount - max1250
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
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
Additional Comments
Le client doit avoir bénéficié du prêt AL MOUWAKABA, avoir une historique de crédit solide et disposer d’un compte dans une agence Banque Polulaire.

Full Pricing Data

Attaahil samples
Sample 2Sample 3Sample 4
Loan AmountMAD 40,000MAD 50,000MAD 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-162013-04-112013-06-06
Loan Term (Months)28.0 months45.0 months34.0 months
Grace Period (Months)0.4 months0.4 months0.4 months
Total Cost of CreditMAD 12,150MAD 20,090MAD 15,051
True Price by Comp     
Interest price component21.7%18.2%18.2%
Fee Component1.7%1.1%1.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.4%19.3%19.6%
Transparency Index779392
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Attaahil Price Graphs


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