2. MKL
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  2. TMFB
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Institution

Musoni Kenya Limited 25351Nairobi, Nairobi100
Data approved: 2015-03-27
Data version: 1
Age of data: 111 months

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 107 months
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Institution Details

Institution TypeOther
Is this institution regulated?No
Website addresshttp://www.musoni.eu
Year established2010
Head of InstitutionJames Onyutta
Regions activeCentral, Eastern, Nairobi, Nyanza, Rift Valley
# Branches15

Total Portfolio (nat'l)KES 495,960,483
Total Portfolio (USD)USD 5,989,860.91
Active clients with loans16,077
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
FundersMusoni Investment, Access Africa Fund ( Managed by Microvest), KFW, Grameen Foundation

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.tameerbank.com
Year established2005
Head of InstitutionNadeem Hussain (CEO & President)
Regions activeAzad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches153

Total Portfolio (nat'l)PKR 8,701,618,309
Total Portfolio (USD)USD 85,449,891.79
Active clients with loans221,224
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Micro Finance Network
FundersCGAP, DFID

Loan Products » Summary

Nawiri
14,176 Borrowers
USD 4,124,885.21 Portfolio
Active Product
Tuelimike
1,189 Borrowers
USD 153,604.43 Portfolio
Active Product
Wepesi
1,350 Borrowers
USD 354,415.08 Portfolio
Active Product
Stawi
125 Borrowers
USD 178,445.54 Portfolio
Low Volume Product
Shujaa
747 Borrowers
USD 973,567.66 Portfolio
Low Volume Product
Kilimi
688 Borrowers
USD 204,942.98 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

Sarmaya
89,701 Borrowers
USD 55,629,473.65 Portfolio
Active Product
Karobar
38,736 Borrowers
USD 8,601,720.39 Portfolio
Active Product
Livestock
4,139 Borrowers
USD 2,797,699.21 Portfolio
Active Product
Group
67,453 Borrowers
USD 9,973,293.01 Portfolio
Active Product
Housing
2,084 Borrowers
USD 2,111,298.50 Portfolio
Active Product
Salary
18,352 Borrowers
USD 6,182,667.26 Portfolio
Active Product
Motorbike
759 Borrowers
USD 153,739.79 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Nawiri ( Group business Loan) KES 5,000 - 140,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training, Other Training
Tuelimike ( School Fee Loan) KES 5,000 - 70,000 3 - 9 40% - 60% 60% - 80% Education Women, Men, Have business Group Mtgs, Business Training, Other Training
Wepesi ( Emengency Loan KES 5,000 - 30,000 1 40% - 60% 60% - 80% Any Purpose Women, Men, Have business Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Tameer Sarmaya Qarza (TSQ) PKR 10,000 - 150,000 3 - 12 20% - 40% 20% - 40% Business, Agriculture, Other Women, Men Credit Ins
Karobar Loan PKR 10,000 - 125,000 6 - 24 0% - 20% 60% - 80% Business Women, Men, Have business
Livestock Financing PKR 50,000 - 400,000 12 - 24 0% 100% Business Women, Men, Have business
Group Loan PKR 15,000 - 25,000 12 - 36 60% - 80% 60% - 80% Business Women, Men
House Finance PKR 20,000 - 450,000 24 - 60 0% 100% Housing, Consumer Women, Men, Have home or land Credit Ins
Salary Loan PKR 10,000 - 150,000 12 - 36 0% - 20% 100% Consumer, Other Women, Men, Salaried worker

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nawiri ( Group business Loan) 20.0% annual, Flat 1 Fee 0 Ins None 20.0% upfront 40.7% - 48.5% 60.4% - 74.3% 30
Tuelimike ( School Fee Loan) 22.0% annual, Flat 1 Fee 0 Ins None 20.0% upfront 45.3% - 51.8% 67.2% - 79.2% 29
Wepesi ( Emengency Loan 90.0% annual, Up-Front 0 Fees 0 Ins None N/A 93.6% 93.6% 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nawiri ( Group business Loan) 20.0% annual, Flat 1 Fee 0 Ins Ins None 20.0% upfront 40.7% - 48.5% 60.4% - 74.3% 30
Tuelimike ( School Fee Loan) 22.0% annual, Flat 1 Fee 0 Ins Ins None 20.0% upfront 45.3% - 51.8% 67.2% - 79.2% 29
Wepesi ( Emengency Loan 90.0% annual, Up-Front 0 Fees 0 Ins Ins None N/A 93.6% 93.6% 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49
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% Products with one or more insurances
% Products with compulsory deposits
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