2. Adok Timo
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. OIBM
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Adok Timo KisumuKenyaP.O. Box 3650
Data approved: 2010-09-12
Data version: 1
Age of data: 166 months

Institution

Opportunity International Bank of Malawi Private Bag A71Lilongwe, Central Region
Data approved: 2011-01-06
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.adoktimo.com/
Year established2005
Head of InstitutionMr. Samuel Okelo Deya
Regions active
# Branches22

Total Portfolio (nat'l)KES 48,695,870
Total Portfolio (USD)USD 588,114.37
Active clients with loans4,325
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionAleksandr-Alain Kalanda
Regions active0
# Branches28

Total Portfolio (nat'l)MWK 4,500,000,000
Total Portfolio (USD)USD 30,000,000
Active clients with loans48,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, Malawi Microfinance Network, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment Ltd., Trust for Transformation, Africap

Loan Products » Summary

Agribusiness
260 Borrowers
USD 29,405.72 Portfolio
Active Product
Asset
865 Borrowers
USD 176,434.31 Portfolio
Active Product
Business
2,984 Borrowers
USD 352,868.62 Portfolio
Active Product
School Fee
173 Borrowers
USD 11,762.29 Portfolio
Active Product

Loan Products » Summary

Agriculture Loan
6,750 Borrowers
USD 3,733,333 Portfolio
Active Product
Masiko (Group) Loan
29,921 Borrowers
USD 3,369,567 Portfolio
Active Product
Mzati (Individual) Loan
3,878 Borrowers
USD 3,560,000 Portfolio
Active Product
Payroll Loan
6,228 Borrowers
USD 6,141,317 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agribusiness Loan KES 10,000 - 100,000 1 - 12 40% - 60% 0% - 20% Business Women, Men, Must be active in agricultural activities Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan KES 20,000 - 300,000 12 20% - 40% 20% - 40% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Business Loan KES 6,400 - 500,000 1 - 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fees Loan KES 20,000 - 100,000 1 - 12 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan MWK 200,000 - 50,000,000 3 - 48 20% - 40% 0% - 20%
Masiko (Group) Loan MWK 35,000 - 2,000,000 4 - 9 40% - 60% 20% - 40%
Mzati (Individual) Loan MWK 30,000 - 600,000 3 - 12 40% - 60% 40% - 60%
Payroll Loan MWK 1,000 - 4,000,000 3 - 48 20% - 40% 40% - 60%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agribusiness Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 29.4% - 31.4% 38.3% - 40.9% 49
Asset Financing Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 48.4% - 53% 79.9% - 87.8% 23
Business Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 46.2% - 55.3% 75.8% - 91.9% 23
School Fees Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 48.6% - 49.3% 80.6% - 81.4% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 26.00%-27.00% annual, Decl Bal 1 Fee 0 Ins 31.5% - 31.6% 35.9% - 36%
Masiko (Group) Loan 35.75% annual, Flat 1 Fee 0 Ins 0% - 63% 75.9% - 81%
Mzati (Individual) Loan 21.60%-30.00% annual, Flat 1 Fee 0 Ins 0% - 68.9% 57.2% - 128.3%
Payroll Loan 24.50% annual, Decl Bal 1 Fee 0 Ins N/A 0% 0%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agribusiness Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins Ins None 25.0% upfront 29.4% - 31.4% 38.3% - 40.9% 49
Asset Financing Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins Ins None 25.0% upfront 48.4% - 53% 79.9% - 87.8% 23
Business Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins Ins None 25.0% upfront 46.2% - 55.3% 75.8% - 91.9% 23
School Fees Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins Ins None 25.0% upfront 48.6% - 49.3% 80.6% - 81.4% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 26.00%-27.00% annual, Decl Bal 1 Fee 0 Ins Ins 31.5% - 31.6% 35.9% - 36%
Masiko (Group) Loan 35.75% annual, Flat 1 Fee 0 Ins Ins 0% - 63% 75.9% - 81%
Mzati (Individual) Loan 21.60%-30.00% annual, Flat 1 Fee 0 Ins Ins 0% - 68.9% 57.2% - 128.3%
Payroll Loan 24.50% annual, Decl Bal 1 Fee 0 Ins Ins N/A 0% 0%
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