| 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 | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oportunity.org/ |
| Year established | 2005 |
| Head of Institution | Ian Campbell |
| Regions active | Maputo Capital, Gaza, Sofala, Manica, Zambezia, Nampula, Tete |
| # Branches | 19 |
| Total Portfolio (nat'l) | MZN 216,104,944 |
| Total Portfolio (USD) | USD 7,108,715.26 |
| Active clients with loans | 18,942 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Opportunity International, AMOMIF |
| Funders | Opportunity US and Opportunity UK, CIDA, DFID, UE |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 1,512 - 13,485 | 2 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Credito Individual | MZN 5,000 - 103,093 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Credito Solidario | MZN 1,000 - 12,180 | 3 - 8 | 0% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0%-60.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 15.0% upfront | 37.8% - 48.9% | 43.8% - 55.5% | 76 | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | N/A fixed | N/A | 68.6% - 71.1% | 71.8% - 76.2% | 90 | ||||||||
| Credito Solidario | 72.0% annual, Flat | 1 Fee | 0 Ins Ins | N/A fixed | 10.0% upfront | 69.4% - 76.4% | 83.2% - 91.6% | 83 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
