2. Harmos
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

Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Product

Agriculture Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 395,395,630
Portfolio (USD)USD 76,404.95
Active Clients with Loans549
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loans given to Farmers to facilitate their production: purchase of farming inputs an or implements. These are usually seasonal
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 insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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

Loan Conditions

Loan Amount
CurrencyZMK
Minimum loan sizeZMK 750,000
Maximum loan size2,500,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average8.0 months
Grace Period
Grace period usage100%
Average grace period12.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.25%
Highest quoted nominal interest5.25%
Reason(s) why interest rate variesTime as Client, Interest differs by number of loan cycles
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication feeProcessing Fee
% of loan amount - min02.50%
% of loan amount - max02.50%
OR, Fixed amount - min10,0000
Fixed amount - max10,0000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Assurance
% of loan amount - min1.00%
% of loan amount - max1.00%
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
CriteriaN/A
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
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountZMK 750,000ZMK 750,000ZMK 1,400,000ZMK 1,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-312011-03-312011-03-312011-03-31
Loan Term (Months)3.0 months3.0 months6.0 months6.0 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 Component99.3%99.3%104.2%104.2%
Insurance Component6.2%6.2%3.9%3.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)105.6%105.6%108.1%108.1%
Transparency Index48484747
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Agriculture Loan Price Graphs


Click to view Price Analysis Tool
  2. KWFT DTM
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kenya Women Finance Trust Deposit Taking Microfinance Ltd P.O. Box 4179 - 00506Kiambere Road, Upper HillNairobi
Data approved: 2013-06-24
Data version: 2
Age of data: 134 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.kwftdtm.com
Year established1982
Head of InstitutionMwangi Githaiga
Regions activeCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western
# Branches235

Total Portfolio (nat'l)KES 13,743,335,462
Total Portfolio (USD)USD 165,982,312.30
Active clients with loans250,748
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsWomen's World Banking, AMFI, AFRACA
FundersKWH, Employee Share Ownership Plan (ESOP)

Loan Products » Summary

Biashara
219,089 Borrowers
USD 147,326,470.70 Portfolio
Active Product
Consumer
3,642 Borrowers
USD 1,049,663.59 Portfolio
Active Product
Elimu
13,496 Borrowers
USD 6,138,841.28 Portfolio
Active Product
Mwamba
7,643 Borrowers
USD 7,066,361.15 Portfolio
Active Product
Mwangaza
38,391 Borrowers
USD 3,285,406.97 Portfolio
Active Product
Start Up
12,383 Borrowers
USD 1,115,568.65 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara Loan KES 10,000 - 45,000,000 6 - 60 60% - 80% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment
Consumer Loan KES 10,000 - 200,000 6 - 18 80% - 100% 0% - 20% Consumer Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Elimu Loan KES 5,000 - 200,000 6 - 12 80% - 100% 0% - 20% Education Women, Have business, Evidence of school admission/attendance Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agricultural Loan KES 10,000 - 45,000,000 6 - 36 80% - 100% 0% - 20% Business, Agriculture Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Leadership, Women Empowerment
Energy Loan KES 50,000 - 200,000 6 - 36 80% - 100% 0% - 20% Business, Other Women, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment
Asset Financing Loan KES 50,000 - 10,000,000 6 - 60 80% - 100% 0% - 20% Business Women, Must be willing to set up a viable business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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
Biashara Loan 20.0%-21.6% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37.1% - 42.8% 47.8% - 60.2% 35
Consumer Loan 18.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 40.6% - 40.7% 52.7% - 55.7% 33
Elimu Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 38% - 43.9% 52.7% - 61.3% 35
Agricultural Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 37% - 42.8% 47% - 56.9% 36
Energy Loan 20.0%-22.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 36.8% - 40.8% 51.9% - 57.7% 33
Asset Financing Loan 11.2%-20.0% annual, Flat 2 Fees 1 Ins None 10.0%-20.0% upfront 50.00-0.00 ongoing 35.9% - 41.4% 43.9% - 56.7% 22
Institution Price Graph
Click to view Price Analysis Tool
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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