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

Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 150 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: 134 months

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Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074

Data approved: 2011-12-23

Data version: 1

Age of data: 150 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.kwftdtm.com
Year established	1982
Head of Institution	Mwangi Githaiga
Regions active	Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches	235

Total Portfolio (nat'l)	KES 13,743,335,462
Total Portfolio (USD)	USD 165,982,312.30
Active clients with loans	250,748
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	Women's World Banking, AMFI, AFRACA
Funders	KWH, Employee Share Ownership Plan (ESOP)

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	N/A
Year established	1997
Head of Institution	Atakilt Kiros
Regions active
# Branches	142

Total Portfolio (nat'l)	ETB 1,800,000,000
Total Portfolio (USD)	USD 97,826,086.96
Active clients with loans	397,000
Approximate % female clients	20% - 40%
Approximate % urban clients	20% - 40%
Network affiliations	AEMFI, INAFI
Funders	NPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Loan Products » Summary

Biashara

219,089 Borrowers

USD 147,326,470.70 Portfolio

Active Product

Consumer

3,642 Borrowers

USD 1,049,663.59 Portfolio

Active Product

Elimu

13,496 Borrowers

USD 6,138,841.28 Portfolio

Active Product

Mwamba

7,643 Borrowers

USD 7,066,361.15 Portfolio

Active Product

Mwangaza

38,391 Borrowers

USD 3,285,406.97 Portfolio

Active Product

Start Up

12,383 Borrowers

USD 1,115,568.65 Portfolio

Active Product

Loan Products » Summary

Business

5,000 Borrowers

USD 33,478,260.87 Portfolio

Active Product

Civil Serv

25,000 Borrowers

USD 4,293,478.26 Portfolio

Active Product

Ex-fighter

2,753 Borrowers

USD 543.48 Portfolio

Active Product

Housing

5,300 Borrowers

USD 8,206,521.74 Portfolio

Active Product

Regular

78,000 Borrowers

USD 14,184,782.61 Portfolio

Active Product

Rural

204,000 Borrowers

USD 27,880,434.78 Portfolio

Active Product

Urban

41,000 Borrowers

USD 8,260,869.57 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Biashara Loan	KES 10,000 - 45,000,000	6 - 60	60% - 80%	0% - 20%	Business	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment
Consumer Loan	KES 10,000 - 200,000	6 - 18	80% - 100%	0% - 20%	Consumer	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Elimu Loan	KES 5,000 - 200,000	6 - 12	80% - 100%	0% - 20%	Education	Women, Have business, Evidence of school admission/attendance	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agricultural Loan	KES 10,000 - 45,000,000	6 - 36	80% - 100%	0% - 20%	Business, Agriculture	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Leadership, Women Empowerment
Energy Loan	KES 50,000 - 200,000	6 - 36	80% - 100%	0% - 20%	Business, Other	Women, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Asset Financing Loan	KES 50,000 - 10,000,000	6 - 60	80% - 100%	0% - 20%	Business	Women, Must be willing to set up a viable business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Business Loan	ETB 15,000 - 5,000,000	12 - 60	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Civil Servant Loan	ETB 1,000 - 50,000	12 - 36	20% - 40%	40% - 60%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Group Mtgs
Ex-fighters Association Loan	ETB 10,000 - 10,000	36	20% - 40%	80% - 100%	Any Purpose	Women, Men, Ex-fighters association members	Credit Educ
Housing Loan	ETB 15,000 - 5,000,000	12 - 60	20% - 40%	80% - 100%	Housing	Women, Men	Credit Educ
Regular Loan	ETB 500 - 20,000	12 - 36	60% - 80%	80% - 100%	Business	Women, Men	Credit Educ, Group Mtgs, Business Training
Rural Package Loan	ETB 200 - 30,000	6 - 48	20% - 40%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Tech Asst Visits
Urban Package Loan	ETB 500 - 10,000	12 - 36	60% - 80%	80% - 100%	Any Purpose	Women, Men	Credit Educ, Business Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara Loan	20.0%-21.6% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37.1% - 42.8%	47.8% - 60.2%	35
Consumer Loan	18.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	40.6% - 40.7%	52.7% - 55.7%	33
Elimu Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	38% - 43.9%	52.7% - 61.3%	35
Agricultural Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37% - 42.8%	47% - 56.9%	36
Energy Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	36.8% - 40.8%	51.9% - 57.7%	33
Asset Financing Loan	11.2%-20.0% annual, Flat	2 Fees	1 Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	35.9% - 41.4%	43.9% - 56.7%	22

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Business Loan	10.0% annual, Decl Bal	None	N/A	11.1% - 13.2%	11.1% - 13.2%	81
Civil Servant Loan	15.0% annual, Decl Bal	None	N/A	14% - 14.3%	14% - 14.3%	100
Ex-fighters Association Loan	15.0% annual, Decl Bal	None	N/A	14.1%	14.1%	100
Housing Loan	9.9% annual, Decl Bal	None	N/A	10.3% - 11%	10.3% - 11%	92
Regular Loan	18.0% annual, Decl Bal	None	N/A	16.7% - 17.6%	16.7% - 17.6%	100
Rural Package Loan	18.0% annual, Decl Bal	None	N/A	18% - 25.9%	18% - 25.9%	86
Urban Package Loan	18.0% annual, Decl Bal	None	N/A	9.7%	9.7%	100

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara Loan	20.0%-21.6% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37.1% - 42.8%	47.8% - 60.2%	35
Consumer Loan	18.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	40.6% - 40.7%	52.7% - 55.7%	33
Elimu Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	38% - 43.9%	52.7% - 61.3%	35
Agricultural Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	37% - 42.8%	47% - 56.9%	36
Energy Loan	20.0%-22.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	36.8% - 40.8%	51.9% - 57.7%	33
Asset Financing Loan	11.2%-20.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0%-20.0% upfront 50.00-0.00 ongoing	35.9% - 41.4%	43.9% - 56.7%	22

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Business Loan	10.0% annual, Decl Bal	0 Ins Ins	None	N/A	11.1% - 13.2%	11.1% - 13.2%	81
Civil Servant Loan	15.0% annual, Decl Bal	0 Ins Ins	None	N/A	14% - 14.3%	14% - 14.3%	100
Ex-fighters Association Loan	15.0% annual, Decl Bal	0 Ins Ins	None	N/A	14.1%	14.1%	100
Housing Loan	9.9% annual, Decl Bal	0 Ins Ins	None	N/A	10.3% - 11%	10.3% - 11%	92
Regular Loan	18.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.7% - 17.6%	16.7% - 17.6%	100
Rural Package Loan	18.0% annual, Decl Bal	0 Ins Ins	None	N/A	18% - 25.9%	18% - 25.9%	86
Urban Package Loan	18.0% annual, Decl Bal	0 Ins Ins	None	N/A	9.7%	9.7%	100

Institution Price Graph

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Key Statistics
# Samples:
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# 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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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