Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

PAWDEP NairobiKenyaP0 Box 2472
Data approved: 2010-09-13
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.pawdep.org/
Year established2003
Head of InstitutionJulius Chege Muiruri
Regions active0
# Branches8

Total Portfolio (nat'l)KES 480,000,000
Total Portfolio (USD)USD 5,797,101.45
Active clients with loans44,000
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

10,722 Borrowers
USD 763,554.79 Portfolio
Active Product
1,046 Borrowers
USD 1,840,943.66 Portfolio
Active Product
42,630 Borrowers
USD 4,977,693.16 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Emergency Loan KES 1,000 - 20,000 1 80% - 100% 0% - 20% Any Purpose Women Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Training of trainers for groups
Endeleza Loan KES 100,000 - 500,000 6 - 20 80% - 100% 0% - 20% Any Purpose Women, Can be either to new or graduating clients Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Eligible for scholarships to ISIU through Goldman Sachs 10,000 Women programme, Benefits from educational tours and fairs to display their products
Nuru Loan KES 5,000 - 200,000 15 - 36 80% - 100% 0% - 20% Any Purpose Women Credit Educ, Group Mtgs, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 60.0% annual, Flat 0 Fees 0 Ins None 33.3% upfront 200.00 ongoing #N/A #N/A N/A
Endeleza Loan 15.0% annual, Flat 0 Fees 1 Ins None 30.0% upfront 200.00 ongoing #N/A #N/A N/A
Nuru Loan 18.0% annual, Decl Bal 1 Fee 0 Ins None 40.0% upfront 200.00 ongoing #N/A #N/A N/A
Institution Price Graph
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 132 months
Choose version

Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 591,337.42
Portfolio (USD)USD 300,171.28
Active Clients with Loans435
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for individuals with businesses.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,0000
GHS 5,000-7,50010%
GHS 7,500-10,00010%
GHS 10,000-13,00015%
Greater than GHS 13,00015%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest35.00%
Highest quoted nominal interest35.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Form FeeCommitment Fee
% of loan amount - min05.00%
% of loan amount - max05.00%
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/AN/A
Appears on Repayment Sched?NoYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 8,000GHS 15,000GHS 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-132013-01-092013-01-21
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.1 months
Total Cost of CreditGHS 3,204.96GHS 6,005GHS 8,013
True Price by Comp     
Interest price component57.6%58.1%57.9%
Fee Component10.6%10.6%10.6%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)68.2%68.7%68.5%
Transparency Index515151
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Business Loan Price Graphs


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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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