2. Opportunity Kenya
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Grameen Koota
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity Kenya Limited Geomaps Center, 1st Floor, Matumbato Road, Upper HillP.O. Box 19497Nairobi
Data approved: 2013-05-31
Data version: 2
Age of data: 136 months
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Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062
Data approved: 2011-03-25
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://opportunity.net/kenya/
Year established2006
Head of InstitutionLydia Njoroge
Regions activeNairobi, Nyanza, Rift Valley, Western
# Branches11

Total Portfolio (nat'l)KES 402,920,910
Total Portfolio (USD)USD 4,866,194.57
Active clients with loans9,122
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, AMFI
FundersOpportunity International USA, Wedco Enterprises Limited

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.gfspl.in/
Year established1999
Head of InstitutionSuresh K. Krishna
Regions active0
# Branches146

Total Portfolio (nat'l)INR 3,301,716,632
Total Portfolio (USD)USD 73,371,480.71
Active clients with loans352,648
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations

Loan Products » Summary

Msingi
8,350 Borrowers
USD 4,275,644.64 Portfolio
Active Product
Nguzo
219 Borrowers
USD 192,861.27 Portfolio
Active Product
Somesha
368 Borrowers
USD 107,971.27 Portfolio
Active Product
Asset
165 Borrowers
USD 160,931.62 Portfolio
Active Product
Individual
20 Borrowers
USD 128,785.77 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

Emergency
141,602 Borrowers
USD 1,786,748.33 Portfolio
Active Product
Water Conn
3,527 Borrowers
USD 169,901.98 Portfolio
Active Product
General Loan
330,348 Borrowers
USD 68,553,024.87 Portfolio
Active Product
IGL-Pragati
161,167 Borrowers
USD 22,289,822.22 Portfolio
Active Product
IGL-Pragati+
8,394 Borrowers
USD 416,351.80 Portfolio
Active Product
Income Generating Loan
330,348 Borrowers
USD 68,553,024.87 Portfolio
Active Product
Individual Loan
2,684 Borrowers
USD 913,616.38 Portfolio
Active Product
Individual Loan (Offered by "Maarg" Division of GFS)
2,684 Borrowers
USD 913,616.38 Portfolio
Active Product
Sanitation
5,260 Borrowers
USD 600,135 Portfolio
Active Product
Siksha Loan
10 Borrowers
USD 1,777.78 Portfolio
Active Product
Supplementary Loan
37,317 Borrowers
USD 2,105,257.11 Portfolio
Active Product
Supplementary Loan 2
37,317 Borrowers
USD 2,105,257.11 Portfolio
Active Product
Water and Sanitation Loan
77 Borrowers
USD 11,525.33 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Msingi Loan KES 10,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 12 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Nguzo Loan KES 50,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 24 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Somesha (Education) Loan KES 5,000 - 100,000 3 - 12 40% - 60% 60% - 80% Education Women, Men, Must be attending an educational institution or have a dependent attending Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Asset Loan KES 5,000 - 2,000,000 6 - 36 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Emergency Loan INR 500 - 1,000 2.5 80% - 100% 20% - 40% Business, Housing, Consumer, Education, Other Women Credit Educ, Group Mtgs, Business Training
Water Connection Loan INR 5,000 - 5,000 24 80% - 100% 0% - 20% Housing, For taking water connection Women, Have home or land Credit Educ, Group Mtgs, Credit Ins, Business Training
General Loan INR 2,000 - 30,000 11.5 80% - 100% 20% - 40% Business, From 4th loan cycle allowed for Welfae activities Women Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati INR 5,000 - 15,000 12 80% - 100% 0% - 20% Business Women
IGL-Pragati Plus INR 16,000 - 25,000 24 80% - 100% 0% - 20% Business Women
Income Generating Loan INR 2,000 - 30,000 11.5 80% - 100% 20% - 40% Business, Housing, Consumer, Education, Other, From 4th loan cycle the loan can be utilised for w Women Credit Educ, Group Mtgs, Credit Ins, Business Training
Individual Loan INR 20,000 - 50,000 3 - 9 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Individual Loan (Offered by "Maarg" Division of GFS) INR 20,000 - 50,000 3 - 9 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Sanitation Loan INR 7,000 - 10,000 24 80% - 100% 0% - 20% Housing, For construction of toilets Women, Have home or land Group Mtgs, Business Training
Siksha Loan INR 10,000 - 15,000 3 - 6 0% - 20% 80% - 100% Education Women, Men Credit Educ, Group Mtgs
Supplementary Loan INR 2,000 - 4,000 6 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Business Training
Supplementary Loan 2 INR 2,000 - 4,000 6 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Business Training
Water and Sanitation Loan INR 7,000 - 7,000 23.2 80% - 100% 0% - 20% Housing Women, Have home or land Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Emergency Loan 0% 29.1% 30.1% N/A
Water Connection Loan 0% 22.2% 23.1% N/A
General Loan 28.4% 28.4% - 30.8% 30.1% - 41.4% N/A
IGL-Pragati 0% 27.9% - 28.2% 29.9% - 32.4% N/A
IGL-Pragati Plus 0% 26.2% - 27.1% 27.6% - 28.1% N/A
Income Generating Loan 0% 0% 0% N/A
Individual Loan 0% 41.3% - 41.4% 42.7% - 44.1% N/A
Individual Loan (Offered by "Maarg" Division of GFS) 0% 0% 0% N/A
Sanitation Loan 0% 22.2% 22.9% - 23.3% N/A
Siksha Loan 0% 30.5% - 31.8% 30.5% - 31.8% N/A
Supplementary Loan 0% 36.3% - 36.4% 36.3% - 36.4% N/A
Supplementary Loan 2 0% 0% 0% N/A
Water and Sanitation Loan 0% 22.8% 23.8% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 0.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.1% 30.1% 0
Water Connection Loan 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 22.2% 23.1% 91
General Loan 24.0% annual, Decl Bal 2 Fees 0 Ins None N/A 28.4% - 30.8% 30.1% - 41.4% N/A
IGL-Pragati 26.0% annual, Decl Bal 1 Fee 1 Ins None N/A 27.9% - 28.2% 29.9% - 32.4% 83
IGL-Pragati Plus 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 26.2% - 27.1% 27.6% - 28.1% 93
Income Generating Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Individual Loan 28.3% annual, Decl Bal 0 Fees 0 Ins None N/A 41.3% - 41.4% 42.7% - 44.1% 70
Individual Loan (Offered by "Maarg" Division of GFS) 28.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sanitation Loan 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 22.2% 22.9% - 23.3% 91
Siksha Loan 28.3% annual, Decl Bal 1 Fee 0 Ins None N/A 30.5% - 31.8% 30.5% - 31.8% 91
Supplementary Loan 23.6% annual, Decl Bal 1 Fee 0 Ins None N/A 36.3% - 36.4% 36.3% - 36.4% 65
Supplementary Loan 2 23.6% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Water and Sanitation Loan 20.0% annual, Decl Bal 1 Fee 0 Ins None N/A 22.8% 23.8% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Emergency Loan 0% 29.1% 30.1% N/A
Water Connection Loan 0% 22.2% 23.1% N/A
General Loan 28.4% 28.4% - 30.8% 30.1% - 41.4% N/A
IGL-Pragati 0% 27.9% - 28.2% 29.9% - 32.4% N/A
IGL-Pragati Plus 0% 26.2% - 27.1% 27.6% - 28.1% N/A
Income Generating Loan 0% 0% 0% N/A
Individual Loan 0% 41.3% - 41.4% 42.7% - 44.1% N/A
Individual Loan (Offered by "Maarg" Division of GFS) 0% 0% 0% N/A
Sanitation Loan 0% 22.2% 22.9% - 23.3% N/A
Siksha Loan 0% 30.5% - 31.8% 30.5% - 31.8% N/A
Supplementary Loan 0% 36.3% - 36.4% 36.3% - 36.4% N/A
Supplementary Loan 2 0% 0% 0% N/A
Water and Sanitation Loan 0% 22.8% 23.8% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 0.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.1% 30.1% 0
Water Connection Loan 21.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 22.2% 23.1% 91
General Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 28.4% - 30.8% 30.1% - 41.4% N/A
IGL-Pragati 26.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 27.9% - 28.2% 29.9% - 32.4% 83
IGL-Pragati Plus 26.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 26.2% - 27.1% 27.6% - 28.1% 93
Income Generating Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Individual Loan 28.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 41.3% - 41.4% 42.7% - 44.1% 70
Individual Loan (Offered by "Maarg" Division of GFS) 28.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sanitation Loan 21.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 22.2% 22.9% - 23.3% 91
Siksha Loan 28.3% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 30.5% - 31.8% 30.5% - 31.8% 91
Supplementary Loan 23.6% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 36.3% - 36.4% 36.3% - 36.4% 65
Supplementary Loan 2 23.6% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Water and Sanitation Loan 20.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 22.8% 23.8% N/A
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