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Institution

Bangko Kabayan, A Rural Bank, Inc. Santiago St., PoblacionIbaan, Batangas4230
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Opportunity Kenya Limited Geomaps Center, 1st Floor, Matumbato Road, Upper HillP.O. Box 19497Nairobi
Data approved: 2013-05-31
Data version: 2
Age of data: 133 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.bangkokabayan.com/
Year established1960
Head of InstitutionTeresa M. Ganzon
Regions active
# Branches16

Total Portfolio (nat'l)PhP 102,860,081
Total Portfolio (USD)USD 2,460,767.49
Active clients with loans8,941
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?No
Website addresshttp://opportunity.net/kenya/
Year established2006
Head of InstitutionLydia Njoroge
Regions activeNairobi, Nyanza, Rift Valley, Western
# Branches11

Total Portfolio (nat'l)KES 402,920,910
Total Portfolio (USD)USD 4,866,194.57
Active clients with loans9,122
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, AMFI
FundersOpportunity International USA, Wedco Enterprises Limited

Loan Products » Summary

2,674 Borrowers
USD 1,222,164.47 Portfolio
Active Product
6,267 Borrowers
USD 1,151,793.47 Portfolio
Active Product

Loan Products » Summary

8,350 Borrowers
USD 4,275,644.64 Portfolio
Active Product
219 Borrowers
USD 192,861.27 Portfolio
Active Product
368 Borrowers
USD 107,971.27 Portfolio
Active Product
165 Borrowers
USD 160,931.62 Portfolio
Active Product
20 Borrowers
USD 128,785.77 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
Kabayan Loan PHP 5,000 - 150,000 2 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group Credit Ins
Kapitan Loan PHP 2,000 - 60,000 6 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Group Mtgs, Credit Ins, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Msingi Loan KES 10,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 12 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Nguzo Loan KES 50,000 - 500,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business, Must have run a business for at least 24 months Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Somesha (Education) Loan KES 5,000 - 100,000 3 - 12 40% - 60% 60% - 80% Education Women, Men, Must be attending an educational institution or have a dependent attending Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Asset Loan KES 5,000 - 2,000,000 6 - 36 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kabayan Loan 24.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt 2.0%-20.0% upfront 10.00% ongoing 55% - 64.7% 63.1% - 76.4% 35
Kapitan Loan 30.0% annual, Flat 1 Fee 2 Ins 0.50% loan amt 160.00 upfront 12.50% ongoing 59.1% - 60.5% 67.9% - 72.3% 42

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kabayan Loan 24.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt 2.0%-20.0% upfront 10.00% ongoing 55% - 64.7% 63.1% - 76.4% 35
Kapitan Loan 30.0% annual, Flat 1 Fee 2 Ins Ins 0.50% loan amt 160.00 upfront 12.50% ongoing 59.1% - 60.5% 67.9% - 72.3% 42

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 100.00 ongoing 41.8% - 59.8% 64.2% - 135% 26
Nguzo Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 25.0% upfront 200.00 ongoing 39.9% - 49.3% 67.5% - 112.5% 27
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 34% - 44% 45.6% - 59.7% 33
Asset Loan 22.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 42.7% - 46.9% 61% - 71.9% 34
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