| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | No |
| Website address | http://www.eclof-kenya.org/ |
| Year established | 1994 |
| Head of Institution | Mary Munyiri |
| Regions active | Central, Eastern, Nairobi, Nyanza, Rift Valley, Western |
| # Branches | 16 |
| Total Portfolio (nat'l) | KES 470,400,975 |
| Total Portfolio (USD) | USD 5,681,171.20 |
| Active clients with loans | 19,987 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | ECLOF International, AMFI |
| Funders | ECLOF International, Water.org, Church of Sweden |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | KES 5,000 - 200,000 | 3 - 12 | 40% - 60% | 0% - 20% | Education | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Jinue Loan | KES 5,000 - 30,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business, Consumer | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Jiwezeshe Loan | KES 5,000 - 300,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Tatua Shida Loan | KES 5,000 - 50,000 | 3 - 6 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Ukulima Loan | KES 5,000 - 200,000 | 6 - 12 | 40% - 60% | 20% - 40% | Agriculture | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Afya Loan | KES 8,666 - 21,420 | 3 - 12 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Maji Safi Loan | KES 5,000 - 100,000 | 9 - 24 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Boma Safi Loan | KES 5,000 - 200,000 | 6 - 24 | 40% - 60% | 20% - 40% | Other | Women, Men, Have business | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 33.1% - 36.1% | 36.9% - 40.2% | 47 | ||||||||
| Jinue Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-25.0% upfront 200.00 ongoing | 42.8% - 45.3% | 108% - 170.1% | 16 | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0%-25.0% upfront 200.00 ongoing | 33.6% - 41.6% | 61.6% - 91.2% | 23 | ||||||||
| Tatua Shida Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 45.4% | 53% | 42 | ||||||||
| Ukulima Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.5% - 42% | 43.6% - 49.6% | 44 | ||||||||
| Afya Loan | 19.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34% - 37.8% | 37.7% - 42% | 46 | ||||||||
| Maji Safi Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.5% - 42% | 43.6% - 49.6% | 44 | ||||||||
| Boma Safi Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 36.8% - 42% | 39.1% - 49.6% | 45 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 107 |
| KF | 233,600 | 41,416,000 | 4 | 106 |
| NRSP | 399,900 | 70,157,000 | 3 | 107 |
| ASA | 230,400 | 29,637,000 | 3 | 107 |
| TMFB | 221,200 | 85,449,000 | 7 | 107 |
| FMFB | 163,544 | 38,481,323 | 9 | 125 |
| TRDP | 100,000 | 13,817,000 | 3 | 107 |
| PRSP | 75,656 | 9,907,176 | 3 | 125 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 107 |
| SRSO | 51,100 | 7,775,000 | 3 | 107 |
| SSF | 46,000 | 4,776,000 | 3 | 107 |
| FINCA | 82,000 | 43,559,000 | 9 | 107 |
| JWS | 36,000 | 6,545,000 | 2 | 107 |
| RCDS | 35,552 | 4,856,122 | 4 | 125 |
| DAMEN | 35,185 | 7,150,864 | 1 | 125 |
| FFO | 22,400 | 3,335,000 | 3 | 107 |
| OLP | 21,400 | 3,510,000 | 3 | 107 |
| CSC | 17,600 | 3,147,000 | 1 | 107 |
| AMRDO | 13,800 | 1,206,000 | 5 | 107 |
| WMBL | 13,800 | 6,105,000 | 3 | 107 |
| Mojaz | 13,400 | 2,415,000 | 2 | 107 |
| SDF | 11,500 | 1,041,000 | 4 | 107 |
| POMFB | 8,500 | 2,795,000 | 4 | 107 |
| OPD | 7,500 | 918,000 | 2 | 107 |
| AGAHE | 7,300 | 797,000 | 2 | 107 |
| NRDP | 6,184 | 1,521,972 | 3 | 125 |
| GBTI | 6,100 | 669,000 | 3 | 125 |
| WASIL | 4,300 | 1,135,000 | 2 | 107 |
| Micro Options | 4,000 | 768,000 | 5 | 107 |
| VDO | 3,900 | 489,000 | 3 | 125 |
| SVDP | 3,900 | 811,000 | 13 | 125 |
| SRDO | 3,500 | 766,000 | 4 | 107 |
| OSDI | 2,000 | 923,000 | 3 | 107 |
| APMBL | 1,800 | 1,401,000 | 3 | 107 |
| BEDF | 1,400 | 209,000 | 3 | 125 |
| KCDO | 800 | 94,000 | 1 | 125 |
| Key Statistics | |
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| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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