2. FMFB
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  2. LKL
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Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 125 months

Institution

Letshego Kenya Limited P.O. Box 52926 00200Nairobi, Nairobi
Data approved: 2013-09-18
Data version: 2
Age of data: 127 months
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.akdn.org/pakistan_microfinance.asp
Year established2002
Head of InstitutionAmir Masood Khan
Regions activeAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches133

Total Portfolio (nat'l)PKR 4,020,148,567
Total Portfolio (USD)USD 41,021,924.15
Active clients with loans166,267
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
FundersAga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.microafricagroup.com/
Year established2000
Head of InstitutionJames Mugambi
Regions activeCentral, Coast, Eastern, Nairobi, Rift Valley
# Branches11

Total Portfolio (nat'l)KES 770,993,115
Total Portfolio (USD)USD 9,311,511.05
Active clients with loans13,164
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Agriculture
63,528 Borrowers
USD 16,214,001.18 Portfolio
Active Product
Enterprise
54,724 Borrowers
USD 8,530,425.54 Portfolio
Active Product
Livestock S
33,590 Borrowers
USD 8,406,219.68 Portfolio
Active Product
Livestock M
103 Borrowers
USD 47,239.66 Portfolio
Active Product
General
494 Borrowers
USD 137,748.27 Portfolio
Active Product
Pension
10,197 Borrowers
USD 5,358,363.83 Portfolio
Active Product
Salary
2,939 Borrowers
USD 1,829,346.10 Portfolio
Active Product
Gold
458 Borrowers
USD 324,813.30 Portfolio
Active Product
Near Cash
233 Borrowers
USD 173,650.49 Portfolio
Active Product

Loan Products » Summary

Biashara
1,985 Borrowers
USD 3,233,509.01 Portfolio
Active Product
Group
6,440 Borrowers
USD 3,471,656.48 Portfolio
Active Product
Maji
363 Borrowers
USD 60,130.79 Portfolio
Active Product
Government
2,298 Borrowers
USD 1,545,809.67 Portfolio
Active Product
Payroll
1,392 Borrowers
USD 913,677.99 Portfolio
Active Product
Solar
202 Borrowers
USD 10,668.14 Portfolio
Active Product
Emergency
332 Borrowers
USD 23,617.40 Portfolio
Active Product
School
69 Borrowers
USD 11,838.38 Portfolio
Active Product
Biogas
82 Borrowers
USD 39,637 Portfolio
Active Product
Cheque
1 Borrowers
USD 966.18 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
Agriculture Finance PKR 10,000 - 150,000 3 - 14 0% - 20% 0% Agriculture Women, Men, Has owned or contracted cultivation land and has experience of cultivation Group Mtgs, Credit Ins
Enterprise Finance PKR 15,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business, Start up can also avail loan facility Group Mtgs, Credit Ins
Livestock Finance (Short Term) PKR 10,000 - 150,000 3 - 12 20% - 40% 0% - 20% Business, Small animal purchase, raring, fattening and productivity enhancement of large animals Women, Men Group Mtgs, Credit Ins
Livestock Finance (Medium Term) PKR 30,000 - 80,000 6 - 36 40% - 60% 0% - 20% Business, Purchase of milking cow/buffallo Women, Men, Must have at least 2 existing milking animals Group Mtgs, Credit Ins
General Purpose Finance PKR 10,000 - 50,000 3 - 12 40% - 60% 0% - 20% Housing, Education, Other Women, Men Group Mtgs, Credit Ins
Micro Pensioner Loan PKR 20,000 - 150,000 6 - 36 0% - 20% 40% - 60% Any Purpose Women, Men, Must be a pensioner Credit Ins
Low Salary Employees Loan PKR 20,000 - 150,000 6 - 36 0% - 20% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Individual Loan Against Gold PKR 35,000 - 150,000 3 - 12 40% - 60% 100% Any Purpose Women, Men Credit Ins
Individual Loan Against Cash/Near Cash PKR 20,000 - 150,000 3 - 24 0% - 20% 40% - 60% Any Purpose Women, Men Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara KES 50,000 - 3,000,000 3 - 24 40% - 60% 40% - 60% Business, Housing, Other Women, Men, Have business, Have home or land Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Group KES 3,000 - 1,500,000 3 - 24 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Must be known by the other members Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Maji Nyumbani KES 6,192 - 63,184 3 - 12 60% - 80% 0% - 20% This loan is for the purchase of water tanks only Women, Men Credit Educ, Other Training
Government Check Off KES 1 - 1,000,000 3 - 60 0% - 20% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ
Payroll (MOU) KES 1 - 300,000 3 - 24 0% - 20% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ, Credit Ins
Solar KES 2,990 - 41,400 3 - 12 40% - 60% 0% - 20% Housing Women, Men Credit Educ, Other Training
Emergency KES 3,000 - 10,000 3 - 4 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Other Training
School Fees KES 10,000 - 50,000 3 - 6 60% - 80% 40% - 60% Education Women, Men Credit Educ, Group Mtgs, Other Training
Biogas KES 20,000 - 250,000 3 - 18 40% - 60% 0% - 20% Consumer Women, Men, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.1% - 33.8% 29.1% - 33.9% N/A
Enterprise Finance 38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 30% - 38.2% 30% - 38.2% N/A
Livestock Finance (Short Term) 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 27.8% - 40.2% 27.8% - 40.6% N/A
Livestock Finance (Medium Term) 31.7%-40.9% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 32.1% - 44.6% 32.1% - 45.1% N/A
General Purpose Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 27.6% - 37.6% 27.6% - 37.6% N/A
Micro Pensioner Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 30.5% - 36.4% 30.5% - 36.9% N/A
Low Salary Employees Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 32.2% - 33.6% 32.2% - 33.6% N/A
Individual Loan Against Gold 24.0% annual, Decl Bal 2 Fees 0 Ins 16.00% fees N/A 25.1% - 26.1% 25.3% - 26.5% N/A
Individual Loan Against Cash/Near Cash 4.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 4.6% - 25.2% 4.7% - 26.1% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 22.0% annual, Flat 2 Fees 1 Ins None 41.5% - 47.5% 44.3% - 64% 44
Group 20.0% annual, Flat 2 Fees 1 Ins None 15.0%-20.0% upfront 400.00 ongoing 37% - 42.9% 59.1% - 79.9% 31
Maji Nyumbani 22.0% annual, Flat 0 Fees 1 Ins None 10.0%-20.0% upfront 37.9% - 38.5% 49.8% - 52% 43
Government Check Off 23.3%-30.0% annual, Flat 2 Fees 1 Ins None N/A 49.8% - 51.9% 50.9% - 52.4% 45
Payroll (MOU) 22.0% annual, Flat 2 Fees 1 Ins None N/A 41.9% - 46% 43.7% - 49.1% 48
Solar 20.0% annual, Flat 0 Fees 0 Ins None N/A 34.4% - 35.6% 34.4% - 35.6% 57
Emergency 18.0% annual, Flat 1 Fee 1 Ins None N/A 29.7% - 31.6% 38.6% - 41.2% 45
School Fees 22.0% annual, Flat 0 Fees 1 Ins None N/A 31.6% - 34.2% 37.8% - 40.9% 91
Biogas 20.0% annual, Flat 2 Fees 1 Ins None N/A 32.3% - 32.4% 35.8% - 35.9% 56

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 29.1% - 33.8% 29.1% - 33.9% N/A
Enterprise Finance 38.4% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 30% - 38.2% 30% - 38.2% N/A
Livestock Finance (Short Term) 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 27.8% - 40.2% 27.8% - 40.6% N/A
Livestock Finance (Medium Term) 31.7%-40.9% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 32.1% - 44.6% 32.1% - 45.1% N/A
General Purpose Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 27.6% - 37.6% 27.6% - 37.6% N/A
Micro Pensioner Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 30.5% - 36.4% 30.5% - 36.9% N/A
Low Salary Employees Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 32.2% - 33.6% 32.2% - 33.6% N/A
Individual Loan Against Gold 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 16.00% fees N/A 25.1% - 26.1% 25.3% - 26.5% N/A
Individual Loan Against Cash/Near Cash 4.0%-20.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 4.6% - 25.2% 4.7% - 26.1% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara 22.0% annual, Flat 2 Fees 1 Ins Ins None 41.5% - 47.5% 44.3% - 64% 44
Group 20.0% annual, Flat 2 Fees 1 Ins Ins None 15.0%-20.0% upfront 400.00 ongoing 37% - 42.9% 59.1% - 79.9% 31
Maji Nyumbani 22.0% annual, Flat 0 Fees 1 Ins Ins None 10.0%-20.0% upfront 37.9% - 38.5% 49.8% - 52% 43
Government Check Off 23.3%-30.0% annual, Flat 2 Fees 1 Ins Ins None N/A 49.8% - 51.9% 50.9% - 52.4% 45
Payroll (MOU) 22.0% annual, Flat 2 Fees 1 Ins Ins None N/A 41.9% - 46% 43.7% - 49.1% 48
Solar 20.0% annual, Flat 0 Fees 0 Ins Ins None N/A 34.4% - 35.6% 34.4% - 35.6% 57
Emergency 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 29.7% - 31.6% 38.6% - 41.2% 45
School Fees 22.0% annual, Flat 0 Fees 1 Ins Ins None N/A 31.6% - 34.2% 37.8% - 40.9% 91
Biogas 20.0% annual, Flat 2 Fees 1 Ins Ins None N/A 32.3% - 32.4% 35.8% - 35.9% 56
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% Products with one or more insurances
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