| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.eclof-kenya.org/ |
| Year established | 1994 |
| Head of Institution | Rose Wanjohi |
| Regions active | 0 |
| # Branches | 16 |
| Total Portfolio (nat'l) | KES 329,725,948 |
| Total Portfolio (USD) | USD 3,982,197.44 |
| Active clients with loans | 17,729 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.maata-n-tudu.org/ |
| Year established | 1993 |
| Head of Institution | Konlan Lambongang |
| Regions active | Northern Region, Upper East Region, Upper West Region |
| # Branches | 3 |
| Total Portfolio (nat'l) | GHS 1,855,661 |
| Total Portfolio (USD) | USD 941,959.90 |
| Active clients with loans | 12,035 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | GHAMFIN, ASSFIN |
| Funders | CORDAID, UNDP, Grameen Foundation, Planet Finance |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | KES 1,000 - 30,000 | 3 - 12 | 40% - 60% | 0% - 20% | Education | Women, Men, Have business | Credit Ins | |||||||
| Jinue Loan | KES 1,000 - 30,000 | 3 - 12 | 40% - 60% | 0% - 20% | Business, Consumer | Women, Men, Have business | Credit Ins | |||||||
| Jiwezeshe Loan | KES 1,000 - 300,000 | 3 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
| Tatua Shida Loan | KES 1,000 - 15,000 | 3 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Processing Loan | GHS 50 - 1,000 | 9 | 80% - 100% | 0% - 20% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Grain Banking Loan | GHS 50 - 1,000 | 9 | 80% - 100% | 0% - 20% | Business | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
| Trading Loan | GHS 50 - 1,000 | 6 | 80% - 100% | 40% - 60% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Jinue Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | 25.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins | None | 10.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Tatua Shida Loan | 24.0% annual, Flat | 2 Fees | 0 Ins | None | 15.0% upfront 200.00 ongoing | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Processing Loan | 36.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 45.2% - 46% | 59.3% - 60.5% | 60 | ||||||||
| Grain Banking Loan | 38.04% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 38.2% - 38.7% | 47.5% - 48.1% | 79 | ||||||||
| Trading Loan | 36.00% annual, Flat | 1 Fee | 0 Ins | None | 20.00% upfront | 51.9% - 56.3% | 71% - 77.1% | 49 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Elimu Bora Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Jinue Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 25.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Jiwezeshe Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.0% upfront 200.00 ongoing | 0% | 0% | N/A | ||||||||
| Tatua Shida Loan | 24.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 15.0% upfront 200.00 ongoing | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Processing Loan | 36.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 45.2% - 46% | 59.3% - 60.5% | 60 | ||||||||
| Grain Banking Loan | 38.04% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 38.2% - 38.7% | 47.5% - 48.1% | 79 | ||||||||
| Trading Loan | 36.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00% upfront | 51.9% - 56.3% | 71% - 77.1% | 49 |
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