2. RSPI
Please note that the information you are viewing is 152 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Juhudi Kilimo
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

Rangtay sa Pagrang-ay, Inc. 4th Floor Manongdo Bldg.17 Private Road, Magsaysay Ave.Baguio City2600
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution

Juhudi Kilimo Limited Liability Company P.O. Box 25441Nairobi
Data approved: 2013-05-26
Data version: 3
Age of data: 135 months
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Product

General Business Loan Product 2 of 4 « Prev | Next »

Product

Asset Financing Dairy Cow Loan Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers39,182
Loan Amount (range)PHP 1,000 - 30,000
Loan Term (range)6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation
Annual Interest & Method40.0% annual, Flat
Fees2.00% upfront
Insurance1.50% upfront 10.00 ongoing
TaxNone
Comp Dep40.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component88.0% - 92.6% (Int+Fee)
Insurance Component6.5% - 39.0%
Tax Component Range0
Full APR (int fee ins tax dep)105.8% - 189.6%
Transparency Index (min/max)21 - 65
Transparency Index (average)32

Product Summary

6,296
KES 30,000 - 500,000
12 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Optional low-cost life insurance through CIC, KES 3290pa
32.0% annual, Decl Bal
1.00% upfront 500.00 upfront
1.00%-2.00% upfront 4.00% upfront
None
15.0% upfront
 
30.7% - 33.5%
1.2% - 12.3%
3.1% - 11.2%
0
52.4% - 67.8%
47 - 67
54

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 110,184,264.70
Portfolio (USD)USD 2,635,987.19
Active Clients with Loans39,182
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group loan for microentrepreneurs for additional business capital.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherValues Formation
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (KES)KES 275,501,067
Portfolio (USD)USD 3,327,307.57
Active Clients with Loans6,296
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
This product is designed for the specific purpose of purchasing a dairy cow.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherImprove the structure used to house dairy cows
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherOptional low-cost life insurance through CIC, KES 3290pa
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherMust be a farmer
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveCentral, Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
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 30,000
Maximum loan size500,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00080%
KES 50,000-150,00015%
KES 150,000-250,0005%
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months30%
Longer than 18 months10%
Grace Period
Grace period usage100%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest40.00%
Highest quoted nominal interest40.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Service Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Redemption Fee
% 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?Yes
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max10
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 40
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
On first loan cycle, 5% of loan amount deposit is required\rCredit Insurance offers cash benefit to dependents upon death of member or family members. Life insurance is paid in advance by RSPI. Interest on CBU is paid quarterly

Pricing Information

Interest
Lowest quoted nominal interest32.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesChanging all interest rates from 16% to 18% in Jan 2010
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Application FeeRegistration Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min0500
Fixed amount - max0500
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionLoan Insurance FeeLivestock Insurance Fee
% of loan amount - min1.00%4.00%
% of loan amount - max2.00%4.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variation1% of the loan amount p.aN/A
Appears on Repayment Sched?YesYes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

General Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 7,000PHP 15,000PHP 20,000
Loan Cycle (1, 2, 3, etc)169Not Known
Disbursement Date2011-04-292011-04-292011-04-202011-03-16
Loan Term (Months)5.6 months5.6 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component92.6%92.6%88.0%90.2%
Insurance Component39.0%21.1%13.1%11.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component58.0%12.6%4.7%3.6%
Full APR (int fee ins tax dep)189.6%126.2%105.8%105.8%
Transparency Index21323838
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Asset Financing Dairy Cow Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKES 26,000KES 50,000KES 100,000KES 200,000KES 300,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-122013-03-122013-03-122013-05-302013-04-29
Loan Term (Months)11.0 months11.0 months14.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditKES 6,740KES 12,501KES 29,179KES 87,149KES 130,474
True Price by Comp         
Interest price component33.4%33.4%33.5%31.7%31.8%
Fee Component6.2%4.2%2.6%1.3%1.2%
Insurance Component11.2%11.0%9.5%6.9%6.9%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component17.0%16.3%15.1%12.5%12.5%
Full APR (int fee ins tax dep)67.8%64.9%60.7%52.4%52.4%
Transparency Index4749536161
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
General Business Loan Price Graphs


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Asset Financing Dairy Cow 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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