Kenya Women Finance Trust Deposit Taking Microfinance Ltd - Agricultural Loan - MFTransparency.org Truth In Lending Tables

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

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: 135 months

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Product

Agricultural Loan Product 4 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (KES)	KES 585,094,703
Portfolio (USD)	USD 7,066,361.15
Active Clients with Loans	7,643
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Loan to individuals, full business ownership or management, security is loan guarantee funds and chattels mortgage, monthly repayment, loan period 6-36 months

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other	Leadership
Other (2)	Women Empowerment
No other services

Eligibility

Men
Women	x
Must run a business	x
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 institution	8
# Regions for this product	8
Regions Active	Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount

Currency	KES
Minimum loan size	KES 10,000
Maximum loan size	45,000,000

Distribution at Disbursement (Est.)

Loans less than KES 50,000	0
KES 50,000-150,000	30%
KES 150,000-250,000	20%
KES 250,000-350,000	15%
KES 350,000-450,000	15%
Greater than KES 450,000	15%

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	36.0 months
Approx average	18.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	10%
Between 10 and 12 months	15%
Between 13 and 18 months	50%
Longer than 18 months	20%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.67%
Highest quoted nominal interest	1.83%
Reason(s) why interest rate varies	Loan Size
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Loan Processing Fee	Chattels Fee
% of loan amount - min	1.00%	0
% of loan amount - max	1.50%	0
OR, Fixed amount - min	0	0
Fixed amount - max	0	1,500
Reason for variation	Loans 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?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Risk Management Fee
% of loan amount - min	1.25%
% of loan amount - max	1.25%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	Idv loans =10% upfront & 1% ongoing. Grp 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 deposited	10.00% - 20.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0 - 1.00%
or, Fixed-amount deposited	KES 50 - 0
Conditions on access to deposit	When Leaving

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	6.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Agricultural Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	KES 10,000	KES 30,000	KES 50,000	KES 95,000	KES 300,000	KES 500,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-05-17	2013-05-15	2013-03-06	2013-06-19	2013-05-13	2013-04-18
Loan Term (Months)	12.0 months	12.0 months	12.0 months	12.0 months	15.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	KES 2,587.08	KES 7,425	KES 12,375.04	KES 23,512.54	KES 83,383.91	KES 112,993.86
True Price by Comp
Interest price component	37.8%	37.6%	37.6%	37.8%	34.6%	34.6%
Fee Component	5.0%	3.0%	3.0%	2.9%	2.4%	2.5%
Insurance Component	2.5%	2.5%	2.5%	2.5%	2.1%	2.5%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	11.6%	9.2%	12.5%	10.6%	7.9%	8.2%
Full APR (int fee ins tax dep)	56.9%	52.3%	55.6%	53.8%	47.0%	47.8%
Transparency Index	32	34	32	33	43	42

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Agricultural Loan Price Graphs

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Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BancoSol S.A. Calle Nicolás Acosta No. 289 esq. Cañada Strongest, MurilloLa Paz, Bolivia13176

Data approved: 2013-09-05

Data version: 2

Age of data: 124 months

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Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.bancosol.com.bo/
Year established	1992
Head of Institution	Raul Cabrera
Regions active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches	95

Total Portfolio (nat'l)	BOB 5,819,300,002
Total Portfolio (USD)	USD 862,118,518.80
Active clients with loans	215,313
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	ASOFIN (Asociación de Entidades Financieras Especializadas en Micro Finanzas de Bolivia), ASOBAN (Asociación de Bancos Privados de Bolivia )
Funders

Loan Products » Summary

1000 TF BOB

8,775 Borrowers

USD 7,127,396.91 Portfolio

Active Product

DPF TF BOB

339 Borrowers

USD 675,156.97 Portfolio

Active Product

SolEf TF BOB

24,958 Borrowers

USD 87,466,688.74 Portfolio

Active Product

SolEF TF USD

84 Borrowers

USD 173,698.23 Portfolio

Active Product

Soliv TF BOB

107,618 Borrowers

USD 371,215,221.60 Portfolio

Active Product

Soliv TF USD

1,157 Borrowers

USD 3,262,772.23 Portfolio

Active Product

Soliv TV BOB

5,329 Borrowers

USD 79,521,656.33 Portfolio

Active Product

Soliv TV USD

1,416 Borrowers

USD 20,578,441.48 Portfolio

Active Product

Veh TV USD

50 Borrowers

USD 612,841.02 Portfolio

Active Product

Viv TF BOB

16,804 Borrowers

USD 61,573,163.69 Portfolio

Active Product

Viv TF USD

319 Borrowers

USD 974,891.51 Portfolio

Active Product

Viv TV USD

932 Borrowers

USD 15,323,772.46 Portfolio

Active Product

Viv TV BOB

1,084 Borrowers

USD 17,135,541.88 Portfolio

Active Product

Veh TV BOB

76 Borrowers

USD 1,169,598.22 Portfolio

Active Product

Prod TF BOB

40,631 Borrowers

USD 146,862,815.70 Portfolio

Active Product

Prod TF USD

61 Borrowers

USD 266,721.72 Portfolio

Active Product

Prod TV BOB

1,315 Borrowers

USD 19,760,309.99 Portfolio

Active Product

Prod TV USD

80 Borrowers

USD 1,255,840.63 Portfolio

Active Product

Agro TF BOB

3,480 Borrowers

USD 16,581,077.04 Portfolio

Active Product

Agro TV BOB

172 Borrowers

USD 2,694,541.22 Portfolio

Active Product

Effe TV BOB

502 Borrowers

USD 6,220,263.68 Portfolio

Active Product

1000 TF USD

17 Borrowers

USD 16,346.55 Portfolio

Low Volume Product

DPF TF USD

19 Borrowers

USD 65,508.65 Portfolio

Low Volume Product

SolEF TV USD

21 Borrowers

USD 126,708.56 Portfolio

Low Volume Product

Veh TF BOB

17 Borrowers

USD 132,410.82 Portfolio

Low Volume Product

Veh TF USD

1 Borrowers

USD 16,451.37 Portfolio

Low Volume Product

Agro TF USD

14 Borrowers

USD 81,226.55 Portfolio

Low Volume Product

Agro TV USD

11 Borrowers

USD 162,279.72 Portfolio

Low Volume Product

DPF TV BOB

26 Borrowers

USD 316,194.24 Portfolio

Low Volume Product

DPF TV USD

5 Borrowers

USD 48,789.70 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Sol 1000 (Tasa Fija)	BOB 400 - 16,000	3 - 24	60% - 80%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol DPF (Tasa Fija, BOB)	BOB 400 - 80,000	3 - 36	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, Salaried worker, Clientes con DPFs propios del Banco	Credit Ins
Sol Efectivo (Tasa Fija)	BOB 400 - 80,000	3 - 60	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Sol Efectivo (Tasa Fija, USD)	USD 50 - 10,000	3 - 36	40% - 60%	60% - 80%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins
Sol Individual (Tasa Fija)	BOB 400 - 95,000	3 - 60	40% - 60%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol Individual (Tasa Fija, USD)	USD 50 - 10,000	3 - 36	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Sol Individual (Tasa Variable)	BOB 400 - 2,000,000	37 - 120	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol Individual (Tasa Variable, USD)	USD 50 - 250,000	37 - 120	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol Vehículo (Tasa Variable, USD)	USD 6,000 - 50,000	37 - 60	20% - 40%	80% - 100%	Activo Fijo	Women, Men, Have business, Salaried worker	Credit Ins
Sol Vivienda (Tasa Fija, BOB)	BOB 400 - 200,000	3 - 60	40% - 60%	80% - 100%	Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc.	Women, Men, Have business, Salaried worker	Credit Ins
Sol Vivienda (Tasa Fija, USD)	USD 50 - 25,000	3 - 60	40% - 60%	80% - 100%	Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc.	Women, Men, Have business, Salaried worker	Credit Ins
Sol Vivienda (Tasa Variable, USD)	USD 50 - 150,000	37 - 180	40% - 60%	80% - 100%	Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc.	Women, Men, Have business, Salaried worker	Credit Ins
Sol Vivienda (Tasa Variable, BOB)	BOB 400 - 1,200,000	37 - 180	20% - 40%	80% - 100%	Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc.	Women, Men, Have business, Salaried worker	Credit Ins
Sol Vehiculo (Tasa Variable, BOB)	BOB 48,000 - 400,000	37 - 60	20% - 40%	80% - 100%	Activo Fijo	Women, Men, Have business, Salaried worker	Credit Ins
Sol Productivo (Tasa Fija, BOB)	BOB 400 - 80,000	3 - 60	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol Productivo (Tasa Fija, USD)	USD 50 - 10,000	3 - 36	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Sol Productivo (Tasa Variable, BOB)	BOB 400 - 2,000,000	37 - 120	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Sol Productivo (Tasa Variable, USD)	USD 50 - 250,000	37 - 120	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Sol Agropecuario (Tasa Fija, BOB)	BOB 400 - 80,000	3 - 60	20% - 40%	40% - 60%	Agriculture	Women, Men, Have business	Credit Ins
Sol Agropecuario (Tasa Variable, BOB)	BOB 400 - 2,000,000	37 - 120	20% - 40%	40% - 60%	Agriculture	Women, Men, Have business	Credit Ins
Sol Effectivo (Tasa Variable, BOB)	BOB 400 - 160,000	37 - 60	20% - 40%	80% - 100%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Sol 1000 (Tasa Fija)	23.0% annual, Decl Bal	None	N/A	22.9% - 23.1%	22.9% - 23.1%	100
Sol DPF (Tasa Fija, BOB)	5.3%-8.0% annual, Decl Bal	None	100.0% upfront	7.8%	0%	100
Sol Efectivo (Tasa Fija)	18.0%-18.5% annual, Decl Bal	None	N/A	18% - 18.1%	18% - 18.1%	99
Sol Efectivo (Tasa Fija, USD)	21.0%-28.5% annual, Decl Bal	None	N/A	21% - 28%	21% - 28%	84
Sol Individual (Tasa Fija)	17.0%-24.0% annual, Decl Bal	None	N/A	17.1% - 21.1%	17.1% - 21.1%	90
Sol Individual (Tasa Fija, USD)	18.0%-24.5% annual, Decl Bal	None	N/A	18.6% - 24.5%	18.6% - 24.5%	83
Sol Individual (Tasa Variable)	10.0%-17.0% annual, Decl Bal	None	N/A	12.9% - 17.1%	12.9% - 17.1%	70
Sol Individual (Tasa Variable, USD)	11.0%-18.5% annual, Decl Bal	None	N/A	12.3% - 17.8%	12.3% - 17.8%	74
Sol Vehículo (Tasa Variable, USD)	8.0%-10.0% annual, Decl Bal	None	N/A	8.7% - 9.5%	8.7% - 9.5%	88
Sol Vivienda (Tasa Fija, BOB)	17.0%-24.5% annual, Decl Bal	None	N/A	17.1% - 23.1%	17.1% - 23.1%	82
Sol Vivienda (Tasa Fija, USD)	18.0%-25.5% annual, Decl Bal	None	N/A	18.4% - 24.5%	18.4% - 24.5%	87
Sol Vivienda (Tasa Variable, USD)	10.0%-18.0% annual, Decl Bal	None	N/A	11.3% - 17.6%	11.3% - 17.6%	77
Sol Vivienda (Tasa Variable, BOB)	10.0%-17.0% annual, Decl Bal	None	N/A	10.9% - 16.2%	10.9% - 16.2%	73
Sol Vehiculo (Tasa Variable, BOB)	8.0%-10.0% annual, Decl Bal	None	N/A	8% - 9.9%	8% - 9.9%	87
Sol Productivo (Tasa Fija, BOB)	14.5%-21.5% annual, Decl Bal	None	N/A	14.4% - 19.1%	14.4% - 19.1%	85
Sol Productivo (Tasa Fija, USD)	15.5%-22.0% annual, Decl Bal	None	N/A	16.6% - 21.8%	16.6% - 21.8%	84
Sol Productivo (Tasa Variable, BOB)	8.5%-15.0% annual, Decl Bal	None	N/A	10.8% - 13.1%	10.8% - 13.1%	70
Sol Productivo (Tasa Variable, USD)	9.5%-16.5% annual, Decl Bal	None	N/A	11.3% - 16.4%	11.3% - 16.4%	72
Sol Agropecuario (Tasa Fija, BOB)	13.0%-20.0% annual, Decl Bal	None	N/A	13.1% - 19.6%	13.1% - 19.6%	81
Sol Agropecuario (Tasa Variable, BOB)	7.0%-13.5% annual, Decl Bal	None	N/A	8% - 13.4%	8% - 13.4%	66
Sol Effectivo (Tasa Variable, BOB)	12.0%-18.0% annual, Decl Bal	None	N/A	15.3% - 17.8%	15.3% - 17.8%	74

Institution Price Graph

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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

	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
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	Less or equal to:
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Agricultural Loan samples

Agricultural Loan Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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