| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.adcsi.org/ |
| Year established | 2001 |
| Head of Institution | Awash Abetew |
| Regions active | |
| # Branches | 134 |
| Total Portfolio (nat'l) | ETB 566,826,000 |
| Total Portfolio (USD) | USD 30,805,760.87 |
| Active clients with loans | 156,148 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AEMFI, MAIN |
| Funders | City Government, Global Fund |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | ETB 700 - 250,000 | 6 - 18 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Micro & Small Business Loan | ETB 700 - 1,000,000 | 7 - 36 | 40% - 60% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 10.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 17.3% - 20.4% | 19.8% - 23.8% | 46 | ||||||||
| Micro & Small Business Loan | 10.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 17.7% - 19.9% | 20.5% - 23.1% | 45 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 135 |
| Adok Timo | 4,200 | 570,000 | 4 | 166 |
| BIMAS | 11,100 | 4,679,000 | 7 | 135 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 135 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 135 |
| Family Bank | 43,200 | 90,700,000 | 5 | 166 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 135 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 135 |
| KADET | 12,900 | 5,402,000 | 4 | 135 |
| K-Rep | 0 | 0 | 0 | 135 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 166 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 135 |
| LKL | 13,100 | 9,311,000 | 10 | 127 |
| MKL | 18,200 | 5,989,000 | 6 | 111 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 135 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 135 |
| RAFODE | 2,900 | 356,000 | 1 | 135 |
| SISDO | 7,300 | 3,657,000 | 11 | 135 |
| Yehu | 14,000 | 3,149,000 | 11 | 135 |
| Key Statistics | |
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| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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