2. Yehu
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Equity Bank
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 135 months
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Institution

Equity Bank P.O. Box 75104-00200Hospital Road, Equity Centre, 9th FloorNairobi
Data approved: 2013-09-23
Data version: 2
Age of data: 135 months
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Product

Mabati Loan Product 6 of 12 « Prev | Next »

Product

Farm Input Loan Product 8 of 10 « Prev | Next »

Product Summary

Number borrowers157
Loan Amount (range)KES 5,000 - 150,000
Loan Term (range)6 - 18
Other Services (text summary)Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Annual Interest & Method21.0% annual, Flat
Fees400.00-0.00 upfront
Insurance1.50% upfront
TaxNone
Comp Dep10.0%-15.0% upfront 100.00 ongoing
Range of pricing 
Interest Price Component33.6% - 40.3%
Fee Component0 - 10.6%
Insurance Component0 - 4.1%
Tax Component Range0
Full APR (int fee ins tax dep)51.3% - 81.5%
Transparency Index (min/max)24 - 56
Transparency Index (average)35

Product Summary

34,018
KES 1,000 - 100,000
1 - 12
Credit Ins
19.0% annual, Flat
3.00%-5.00% upfront
0.63% upfront
None
N/A
 
13.4% - 37.3%
0 - 11.0%
0 - 2.3%
0
27.1% - 41.6%
37 - 83
57

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,382,653.16
Portfolio (USD)USD 40,853.30
Active Clients with Loans157
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for the purchase of iron sheets, gutters, roofing nails, and labor charges for roofing of houses for improved living conditions of clients.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherLeadership Training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCoast

Product Details

Key Statistics
Outstanding portfolio (KES)KES 1,300,738,495
Portfolio (USD)USD 15,709,402.11
Active Clients with Loans34,018
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Kilimo Kwa Maendeleo. This is a short-term lending to farmers to assist them in meeting various needs including farm machinery, tools and any other farm or social development needs. Repayments can be negotiated to match the seasonality of proceeds
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPurchase of farm inputs
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be in small scale or commercial farming
Other (2)Active Equity Bank account
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months80%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 1,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00070%
KES 50,000-150,00030%
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest1.58%
Highest quoted nominal interest1.58%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLACE (Loan Application & Credit Evaluation) Fee
% of loan amount - min3.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation5% for 1st cycle, 3% for multiple cycle loans
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAnnual Insurance Fee
% of loan amount - min0.63%
% of loan amount - max0.63%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation0.625% per annum.
Appears on Repayment Sched?No
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

Mabati Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 30,000KES 50,000KES 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-032013-04-112013-04-102013-04-23
Loan Term (Months)12.0 months12.0 months12.0 months17.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,650KES 7,150KES 11,750KES 34,000
True Price by Comp       
Interest price component37.8%37.8%37.8%38.2%
Fee Component8.4%2.7%2.1%1.4%
Insurance Component3.2%3.2%3.1%2.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component32.1%18.3%10.4%9.4%
Full APR (int fee ins tax dep)81.5%62.0%53.4%51.3%
Transparency Index26343941
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Farm Input Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 9,999.92KES 19,999.98KES 48,000KES 99,999.92
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-042013-05-032013-05-032013-06-20
Loan Term (Months)12.0 months5.7 months5.5 months12.0 months
Grace Period (Months)-0.3 months-0.4 months-0.6 months-0.3 months
Total Cost of CreditKES 2,214.96KES 2,487.74KES 5,844KES 22,097.18
True Price by Comp       
Interest price component33.8%19.1%18.6%34.0%
Fee Component6.3%6.9%7.0%6.3%
Insurance Component1.4%1.5%1.5%1.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)41.5%27.5%27.1%41.6%
Transparency Index46697046
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Mabati Loan Price Graphs


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Farm Input Loan Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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