Letshego Kenya Limited - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 126 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 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Letshego Kenya Limited P.O. Box 52926 00200Nairobi, Nairobi

Data approved: 2013-09-18

Data version: 2

Age of data: 126 months

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Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209

Data approved: 2011-11-15

Data version: 1

Age of data: 151 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.microafricagroup.com/
Year established	2000
Head of Institution	James Mugambi
Regions active	Central, Coast, Eastern, Nairobi, Rift Valley
# Branches	11

Total Portfolio (nat'l)	KES 770,993,115
Total Portfolio (USD)	USD 9,311,511.05
Active clients with loans	13,164
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations
Funders

Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	http://www.paglaumcoop.org.ph/
Year established	1992
Head of Institution	Gadwin E. Handumon
Regions active
# Branches	14

Total Portfolio (nat'l)	PhP 247,944,967
Total Portfolio (USD)	USD 5,931,697.78
Active clients with loans	21,775
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Loan Products » Summary

Biashara

1,985 Borrowers

USD 3,233,509.01 Portfolio

Active Product

Group

6,440 Borrowers

USD 3,471,656.48 Portfolio

Active Product

Maji

363 Borrowers

USD 60,130.79 Portfolio

Active Product

Government

2,298 Borrowers

USD 1,545,809.67 Portfolio

Active Product

Payroll

1,392 Borrowers

USD 913,677.99 Portfolio

Active Product

Solar

202 Borrowers

USD 10,668.14 Portfolio

Active Product

Emergency

332 Borrowers

USD 23,617.40 Portfolio

Active Product

School

69 Borrowers

USD 11,838.38 Portfolio

Active Product

Biogas

82 Borrowers

USD 39,637 Portfolio

Active Product

Cheque

1 Borrowers

USD 966.18 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 » Summary

Barangay

670 Borrowers

USD 245,934.02 Portfolio

Active Product

Emergency

589 Borrowers

USD 16,991.70 Portfolio

Active Product

Housing

491 Borrowers

USD 452,572.75 Portfolio

Active Product

MEDAL

1,520 Borrowers

USD 88,541.15 Portfolio

Active Product

Motorcycle

219 Borrowers

USD 193,819.49 Portfolio

Active Product

Pension

2,073 Borrowers

USD 796,964.55 Portfolio

Active Product

Project Loan

12,767 Borrowers

USD 1,581,371.55 Portfolio

Active Product

Regular

5,185 Borrowers

USD 2,189,284.21 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Biashara	KES 50,000 - 3,000,000	3 - 24	40% - 60%	40% - 60%	Business, Housing, Other	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Group	KES 3,000 - 1,500,000	3 - 24	40% - 60%	20% - 40%	Any Purpose	Women, Men, Have business, Must be known by the other members	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Maji Nyumbani	KES 6,192 - 63,184	3 - 12	60% - 80%	0% - 20%	This loan is for the purchase of water tanks only	Women, Men	Credit Educ, Other Training
Government Check Off	KES 1 - 1,000,000	3 - 60	0% - 20%	20% - 40%	Any Purpose	Women, Men, Salaried worker	Credit Educ
Payroll (MOU)	KES 1 - 300,000	3 - 24	0% - 20%	20% - 40%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Credit Ins
Solar	KES 2,990 - 41,400	3 - 12	40% - 60%	0% - 20%	Housing	Women, Men	Credit Educ, Other Training
Emergency	KES 3,000 - 10,000	3 - 4	40% - 60%	40% - 60%	Any Purpose	Women, Men	Credit Educ, Other Training
School Fees	KES 10,000 - 50,000	3 - 6	60% - 80%	40% - 60%	Education	Women, Men	Credit Educ, Group Mtgs, Other Training
Biogas	KES 20,000 - 250,000	3 - 18	40% - 60%	0% - 20%	Consumer	Women, Men, Have home or land	Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Barangay Official Livelihood Assistance	PHP 500 - 15,000	6 - 36	60% - 80%	0% - 20%	Any Purpose	Women, Men, Barangay Officials	Credit Educ, Credit Ins
Emergency Loan	PHP 500 - 2,000	3 - 6	60% - 80%	0% - 20%	Other, Open to all regular and PDP members who are MIGS i, < 60 years	Women, Men	Group Mtgs
Housing Loan Program	PHP 50,000 - 300,000	12 - 26	80% - 100%	0% - 20%	Housing	Women, Men	Credit Educ, Credit Ins
MEDAL 1	PHP 5,000 - 5,000	3 - 6	60% - 80%	0% - 20%	Business	Women, Men, Have business, Must be Coop member	Credit Educ, Group Mtgs, Credit Ins
Motorcycle Loan	PHP 60,000 - 120,000	12 - 36	60% - 80%	0% - 20%	Consumer	Women, Men, Must have MIGS status, Must be Coop member	Credit Educ, Credit Ins
Pension Loan	PHP 10,000 - 100,000	6 - 24	40% - 60%	0% - 20%	Any Purpose	Women, Men, Must be pension holder, Must be <80 years	Credit Educ, Credit Ins
Project Loan (Micro-Regular Loan)	PHP 500 - 150,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Must be Coop member	Credit Educ, Credit Ins
Regular Loan	PHP 500 - 1,000,000	1 - 36	60% - 80%	0% - 20%	Business, Housing, Consumer, Education, Other	Women, Men, Must be Coop member	Credit Educ, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara	22.0% annual, Flat	2 Fees	1 Ins	None		41.5% - 47.5%	44.3% - 64%	44
Group	20.0% annual, Flat	2 Fees	1 Ins	None	15.0%-20.0% upfront 400.00 ongoing	37% - 42.9%	59.1% - 79.9%	31
Maji Nyumbani	22.0% annual, Flat	0 Fees	1 Ins	None	10.0%-20.0% upfront	37.9% - 38.5%	49.8% - 52%	43
Government Check Off	23.3%-30.0% annual, Flat	2 Fees	1 Ins	None	N/A	49.8% - 51.9%	50.9% - 52.4%	45
Payroll (MOU)	22.0% annual, Flat	2 Fees	1 Ins	None	N/A	41.9% - 46%	43.7% - 49.1%	48
Solar	20.0% annual, Flat	0 Fees	0 Ins	None	N/A	34.4% - 35.6%	34.4% - 35.6%	57
Emergency	18.0% annual, Flat	1 Fee	1 Ins	None	N/A	29.7% - 31.6%	38.6% - 41.2%	45
School Fees	22.0% annual, Flat	0 Fees	1 Ins	None	N/A	31.6% - 34.2%	37.8% - 40.9%	91
Biogas	20.0% annual, Flat	2 Fees	1 Ins	None	N/A	32.3% - 32.4%	35.8% - 35.9%	56

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Barangay Official Livelihood Assistance	22.8% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	44.9% - 52.7%	59.2% - 79.8%	35
Emergency Loan	30.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront	76% - 81.7%	174% - 194.8%	16
Housing Loan Program	21.0% annual, Decl Bal	2 Fees	2 Ins	None	6.5% upfront	24.4% - 24.5%	31.1% - 34.2%	64
MEDAL 1	30.0%-36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	13.4% - 84.8%	22.1% - 114.2%	68
Motorcycle Loan	21.0% annual, Decl Bal	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	24.5%	31.6% - 33.4%	65
Pension Loan	36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	61.6% - 70.8%	70.1% - 85.5%	47
Project Loan (Micro-Regular Loan)	30.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	55.1% - 79.9%	66.2% - 175.4%	32
Regular Loan	36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	69.9% - 88.7%	83.2% - 122.6%	37

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Biashara	22.0% annual, Flat	2 Fees	1 Ins Ins	None		41.5% - 47.5%	44.3% - 64%	44
Group	20.0% annual, Flat	2 Fees	1 Ins Ins	None	15.0%-20.0% upfront 400.00 ongoing	37% - 42.9%	59.1% - 79.9%	31
Maji Nyumbani	22.0% annual, Flat	0 Fees	1 Ins Ins	None	10.0%-20.0% upfront	37.9% - 38.5%	49.8% - 52%	43
Government Check Off	23.3%-30.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	49.8% - 51.9%	50.9% - 52.4%	45
Payroll (MOU)	22.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	41.9% - 46%	43.7% - 49.1%	48
Solar	20.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	34.4% - 35.6%	34.4% - 35.6%	57
Emergency	18.0% annual, Flat	1 Fee	1 Ins Ins	None	N/A	29.7% - 31.6%	38.6% - 41.2%	45
School Fees	22.0% annual, Flat	0 Fees	1 Ins Ins	None	N/A	31.6% - 34.2%	37.8% - 40.9%	91
Biogas	20.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	32.3% - 32.4%	35.8% - 35.9%	56

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Barangay Official Livelihood Assistance	22.8% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	44.9% - 52.7%	59.2% - 79.8%	35
Emergency Loan	30.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront	76% - 81.7%	174% - 194.8%	16
Housing Loan Program	21.0% annual, Decl Bal	2 Fees	2 Ins Ins	None	6.5% upfront	24.4% - 24.5%	31.1% - 34.2%	64
MEDAL 1	30.0%-36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	13.4% - 84.8%	22.1% - 114.2%	68
Motorcycle Loan	21.0% annual, Decl Bal	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	24.5%	31.6% - 33.4%	65
Pension Loan	36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	61.6% - 70.8%	70.1% - 85.5%	47
Project Loan (Micro-Regular Loan)	30.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	55.1% - 79.9%	66.2% - 175.4%	32
Regular Loan	36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	69.9% - 88.7%	83.2% - 122.6%	37

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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

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Total Borrrowers of Samples


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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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