Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 113 months


Agricultural Input Loan Product 1 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 198,000,000
Portfolio (USD)USD 38,260.87
Active Clients with Loans73
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Solidarity group
Village banking
Self help group
Loan given to farmers to acquire inputs during the planting season. The loan period is 11 months. The installment is low during the first 9 months when farmers are planting and higher during the last two months when the crop is sold in the market.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
OtherMicrocredit Scheme
Other (2)
No other services
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherSmall scale farmers
Other (2)minimum one hectare
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
Minimum loan sizeZMK 2,000,000
Maximum loan size6,000,000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term11.0 months
Approx average10.5 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest42.00%
Highest quoted nominal interest42.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Are taxes charged on this product?No

Full Pricing Data

Agricultural Input Loan samples
Sample 1Sample 2Sample 3
Loan AmountZMK 2,000,000ZMK 4,000,000ZMK 6,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-10-262010-11-192010-10-26
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component56.7%56.8%56.6%
Insurance Component7.8%7.8%7.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)64.5%64.6%64.4%
Transparency Index656565
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agricultural Input Loan Price Graphs

Please note that the information you are viewing is 67 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Musoni Kenya Limited 25351Nairobi, Nairobi100
Data approved: 2015-03-27
Data version: 1
Age of data: 67 months

Institution Details

Institution TypeOther
Is this institution regulated?No
Website address
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

Loan Products » Summary

14,176 Borrowers
USD 4,124,885.21 Portfolio
Active Product
1,189 Borrowers
USD 153,604.43 Portfolio
Active Product
1,350 Borrowers
USD 354,415.08 Portfolio
Active Product
125 Borrowers
USD 178,445.54 Portfolio
Low Volume Product
747 Borrowers
USD 973,567.66 Portfolio
Low Volume Product
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 » 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 » 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
Institution Price Graph
Caps / Zoom options
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
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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