Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

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: 156 months

Institution

Opportunity Kenya Geomaps CenterMatumbato Road, Upper HillNairobi
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.opportunity.org/
Year established2006
Head of InstitutionJohn Giles
Regions active0
# Branches12

Total Portfolio (nat'l)KES 224,000,000
Total Portfolio (USD)USD 2,705,314.01
Active clients with loans6,758
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 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

6,500 Borrowers
USD 2,294,685.99 Portfolio
Active Product
200 Borrowers
USD 77,294.69 Portfolio
Active Product
120 Borrowers
USD 31,400.97 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

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 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, In business for a minium of 12 months Credit Educ, Group Mtgs, Credit Ins, Fire/burglary insurance
Nguzo Loan KES 50,000 - 500,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, In business for a minimum of 24 months Credit Educ, Group Mtgs, Credit Ins, Insurance Fire/Burglary
Somesha (Education) Loan KES 5,000 - 50,000 3 - 12 80% - 100% 80% - 100% Education Women, Men, Have business, Must bring school records Credit Educ, Group Mtgs, Credit Ins, Insurance Fire/Burglary

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 16.0%-22.0% annual, Flat 0 Fees 1 Ins None 20.0% upfront 100.00 ongoing 0% 0% N/A
Nguzo Loan 16.0%-22.0% annual, Flat 0 Fees 1 Ins None 25.0% upfront 100.00 ongoing 0% 0% N/A
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 50.00 ongoing 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Msingi Loan 16.0%-22.0% annual, Flat 0 Fees 1 Ins Ins None 20.0% upfront 100.00 ongoing 0% 0% N/A
Nguzo Loan 16.0%-22.0% annual, Flat 0 Fees 1 Ins Ins None 25.0% upfront 100.00 ongoing 0% 0% N/A
Somesha (Education) Loan 16.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 50.00 ongoing 0% 0% N/A
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Key Statistics
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Loan Portfolio (USD)
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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