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Kenya Women Finance Trust Deposit Taking Microfinance Ltd P.O. Box 4179 - 00506Kiambere Road, Upper HillNairobi
Data approved: 2013-06-24
Data version: 2
Age of data: 136 months


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Product Details

Key Statistics
Outstanding portfolio (KES)KES 86,912,145
Portfolio (USD)USD 1,049,663.59
Active Clients with Loans3,642
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Solidarity groupx
Village banking
Self help group
Value addition loans to existing women e.g. solar, gas, water harvesting solution, green house
Loan Purpose
Any purpose
Income generation
Consumer loanx
Other household finance
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other (2)Women empowerment
No other services
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount
Minimum loan sizeKES 10,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00030%
KES 50,000-150,00050%
KES 150,000-250,00020%
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months20%
Between 10 and 12 months50%
Between 13 and 18 months15%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest1.50%
Highest quoted nominal interest1.83%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeChattels Fee
% of loan amount - min1.00%0
% of loan amount - max1.50%0
OR, Fixed amount - min00
Fixed amount - max01,500
Reason for variationLoans below 100,000 KES = 1.5% with 250 KES minimum. Loans 100,000 KES and above = 1%Charged only on loans KES 100,000 and above.
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Management Fee
% of loan amount - min1.25%
% of loan amount - max1.25%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaIndividual loans = 10% upfront & 1% ongoing. Group Loans < KES 100,000 = 10% upfront & > KES 100,000 = 20% upfront. Loans > KES 45,000 = KES 400 ongoing, < KES 45,000 loans = KES 50 ongoing.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0 - 1.00%
or, Fixed-amount depositedKES 50 - 0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid6.00%
Interest payment frequencyEnd Term
Are taxes charged on this product?No

Full Pricing Data

Consumer Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 20,000KES 20,000KES 51,925KES 95,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-072013-05-092013-06-202013-06-19
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditKES 4,950.04KES 4,950.04KES 12,851.46KES 23,512.54
True Price by Comp       
Interest price component37.6%37.6%37.8%37.8%
Fee Component3.0%3.0%2.9%2.9%
Insurance Component2.5%2.5%2.5%2.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component9.6%9.6%12.5%10.6%
Full APR (int fee ins tax dep)52.7%52.7%55.7%53.8%
Transparency Index34343233
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Consumer Loan Price Graphs

Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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N (# of Samples)
Total Borrrowers of Samples
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By Inst Type
By Country

Total Borrowers of Samples

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