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

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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

Caixa Comunit?ria de Microfinan?as Av. Das FPLM,832% ICB e Loja de Pe?asMaputo, Maputo

Data approved: 2012-02-06

Data version: 1

Age of data: - 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-Governmental Organization
Is this institution regulated?	Yes
Website address	N/A
Year established	1998
Head of Institution	Enoque Raimundo Changamo
Regions active	0
# Branches	12

Total Portfolio (nat'l)	MT 90,149,772
Total Portfolio (USD)	USD 2,908,057.16
Active clients with loans	11,448
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	AMOMIF, MAIN
Funders

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

Individual

98 Borrowers

USD 144,822 Portfolio

Active Product

Indv CCOM

846 Borrowers

USD 297,200 Portfolio

Active Product

Sem Avalista

98 Borrowers

USD 284,412 Portfolio

Active Product

Micronegocio

3,785 Borrowers

USD 377,779 Portfolio

Active Product

Comercio

1,170 Borrowers

USD 270,417 Portfolio

Active Product

Agricultura

611 Borrowers

USD 581,611 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
Credito Individual CCOM	MZN 10,000 - 100,000	6 - 12	40% - 60%	60% - 80%	Business	Women, Men, Have business, Have home or land, Salaried worker	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Credito Individual	MZN 10,000 - 100,000	6 - 12	40% - 60%	60% - 80%	Business	Women, Men, Have business, Have home or land, Salaried worker	Credit Educ, Tech Asst Visits, Business Training, Other Training
Credito Individual Sem Avalista	MZN 10,000 - 100,000	4 - 12	60% - 80%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Grupo Solidario Pequeno Grupo Micronegocios	MZN 4,000 - 50,000	6 - 12	40% - 60%	60% - 80%	Any Purpose	Women, Men, Have business, Have home or land
Grupo Solidario Pequeno Grupo Comercio	MZN 10,000 - 45,000	6	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, Have home or land, Salaried worker
GSGF Credito a Agricultura	MZN 4,000 - 50,000	8 - 12	40% - 60%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins

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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credito Individual CCOM	54.0% annual, Decl Bal	1 Fee	1 Ins	None	12.0% upfront	0%	0%	N/A
Credito Individual	54.0% annual, Decl Bal	1 Fee	1 Ins	None	30.0% upfront	0%	0%	N/A
Credito Individual Sem Avalista	54.0% annual, Decl Bal	1 Fee	1 Ins	None	None	0%	0%	N/A
Grupo Solidario Pequeno Grupo Micronegocios	54.0% annual, Decl Bal	1 Fee	1 Ins	None	33.3% upfront	0%	0%	N/A
Grupo Solidario Pequeno Grupo Comercio	54.0% annual, Decl Bal	1 Fee	1 Ins	None	33.3% upfront	0%	0%	N/A
GSGF Credito a Agricultura	36.0% annual, Flat	1 Fee	1 Ins	None	20.0% upfront	0%	0%	N/A

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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credito Individual CCOM	54.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	12.0% upfront	0%	0%	N/A
Credito Individual	54.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	30.0% upfront	0%	0%	N/A
Credito Individual Sem Avalista	54.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	None	0%	0%	N/A
Grupo Solidario Pequeno Grupo Micronegocios	54.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	33.3% upfront	0%	0%	N/A
Grupo Solidario Pequeno Grupo Comercio	54.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	33.3% upfront	0%	0%	N/A
GSGF Credito a Agricultura	36.0% annual, Flat	1 Fee	1 Ins Ins	None	20.0% upfront	0%	0%	N/A

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Key Statistics
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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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