Yehu Microfinance Trust - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 134 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: 134 months

Download Data

Analyze Data

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

Download Data

Analyze Data

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://yehu.org/
Year established	1999
Head of Institution	Adet N. Kachi
Regions active	Coast
# Branches	8

Total Portfolio (nat'l)	KES 252,974,696
Total Portfolio (USD)	USD 3,055,249.95
Active clients with loans	13,849
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations
Funders

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

Meat

181 Borrowers

USD 24,222.14 Portfolio

Active Product

Poultry

109 Borrowers

USD 19,287.16 Portfolio

Active Product

Business

11,255 Borrowers

USD 2,533,955.75 Portfolio

Active Product

Top-Up

364 Borrowers

USD 157,605.12 Portfolio

Active Product

Afya

57 Borrowers

USD 3,337.14 Portfolio

Active Product

Mabati

157 Borrowers

USD 40,853.30 Portfolio

Active Product

Elimu

302 Borrowers

USD 58,271.89 Portfolio

Active Product

Emergency

396 Borrowers

USD 56,922.86 Portfolio

Active Product

Maji

313 Borrowers

USD 98,441.96 Portfolio

Active Product

Sikukuu

886 Borrowers

USD 100,862.67 Portfolio

Active Product

Special

32 Borrowers

USD 56,011.31 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

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
Agriculture Loan - Meat Goat	KES 5,000 - 150,000	3 - 18	80% - 100%	20% - 40%	Business	Women, Men, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Agriculture Loan - Poultry	KES 10,000 - 60,000	3 - 24	80% - 100%	20% - 40%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Business Loan	KES 5,000 - 1,000,000	3 - 36	80% - 100%	40% - 60%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Top Up Loan	KES 5,000 - 1,000,000	3 - 24	80% - 100%	20% - 40%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Afya Loan	KES 12,745 - 12,745	3 - 12	80% - 100%	40% - 60%	Other	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Mabati Loan	KES 5,000 - 150,000	6 - 18	60% - 80%	20% - 40%	Housing	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Elimu Loan	KES 20,000 - 100,000	3 - 12	60% - 80%	60% - 80%	Housing	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Emergence Loan	KES 5,000 - 40,000	3 - 9	80% - 100%	80% - 100%	Any Purpose	Women, Men, Specific age group
Maji ni Uhai Loan	KES 10,000 - 150,000	6 - 18	80% - 100%	20% - 40%	Agriculture, Housing	Women, Men, Specific age group	Group Mtgs, Business Training, Other Training, Leadership Training
Sikukuu Loan	KES 5,000 - 10,000	3 - 12	60% - 80%	20% - 40%	Any Purpose	Women, Men, Specific age group

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
Agriculture Loan - Meat Goat	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.6% - 46.4%	62.1% - 81.8%	28
Agriculture Loan - Poultry	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.9% - 47.8%	59.3% - 81.5%	29
Business Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 40.5%	50.4% - 62%	39
Top Up Loan	21.0% annual, Flat	0 Fees	0 Ins	None	N/A	37.8% - 38.2%	37.8% - 38.2%	55
Afya Loan	18.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40%	68.6%	31
Mabati Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 46.2%	51.3% - 81.5%	35
Elimu Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 41.9%	58.7% - 66.4%	34
Emergence Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.5% - 47.6%	62.2% - 81.1%	30
Maji ni Uhai Loan	20.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39% - 45.2%	51.8% - 80.1%	33
Sikukuu Loan	22.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	48.7% - 50.1%	84.6% - 85.1%	26

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
Agriculture Loan - Meat Goat	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.6% - 46.4%	62.1% - 81.8%	28
Agriculture Loan - Poultry	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.9% - 47.8%	59.3% - 81.5%	29
Business Loan	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 40.5%	50.4% - 62%	39
Top Up Loan	21.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	37.8% - 38.2%	37.8% - 38.2%	55
Afya Loan	18.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	40%	68.6%	31
Mabati Loan	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 46.2%	51.3% - 81.5%	35
Elimu Loan	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 41.9%	58.7% - 66.4%	34
Emergence Loan	21.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.5% - 47.6%	62.2% - 81.1%	30
Maji ni Uhai Loan	20.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	39% - 45.2%	51.8% - 80.1%	33
Sikukuu Loan	22.5% annual, Flat	1 Fee	1 Ins Ins	None	10.0%-15.0% upfront 100.00 ongoing	48.7% - 50.1%	84.6% - 85.1%	26

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

Institution Price Graph

Click to view Price Analysis Tool

Institution Price Graph

Click to view Price Analysis Tool

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

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

Learn More

MFTransparency News

Explore Resources