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Institution

Data approved: 2013-07-16
Data version: 2
Age of data: 103 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.bimaskenya.com
Year established1997
Head of InstitutionPatrick Gathondu
Regions activeCentral, Eastern, Nairobi, Rift Valley
# Branches19

Total Portfolio (nat'l)KES 397,880,258
Total Portfolio (USD)USD 4,805,317.13
Active clients with loans10,118
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

177 Borrowers
USD 36,426.97 Portfolio
Active Product
339 Borrowers
USD 212,004.75 Portfolio
Active Product
1,362 Borrowers
USD 331,099.98 Portfolio
Active Product
176 Borrowers
USD 75,449.82 Portfolio
Active Product
8,244 Borrowers
USD 2,621,006.47 Portfolio
Active Product
715 Borrowers
USD 98,801.78 Portfolio
Active Product
156 Borrowers
USD 1,304,347.83 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Hitimu Loan KES 10,000 - 80,000 3 - 12 40% - 60% 40% - 60% Education Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Imarika Loan KES 50,000 - 200,000 3 - 18 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Mama Plus Loan KES 10,000 - 200,000 6 - 12 80% - 100% 40% - 60% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Mifugo Loan KES 50,000 - 100,000 9 - 12 40% - 60% 40% - 60% Agriculture Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Msingi Loan KES 20,000 - 300,000 3 - 18 40% - 60% 40% - 60% Business, Agriculture Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Upesi Loan KES 10,000 - 50,000 3 - 6 40% - 60% 40% - 60% Business, Consumer, Other Women, Men, Have business Credit Educ, Group Mtgs, Business Training, Other Training
Biashara Loan KES 300,000 - 3,000,000 18 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Hitimu Loan 22.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 100.00 ongoing 42.4% - 43.9% 81.1% - 122.3% 23
Imarika Loan 22.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 200.00 ongoing 42% - 42.9% 64% - 77.2% 31
Mama Plus Loan 8.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 100.00 ongoing 20.2% - 24.4% 33.3% - 57.4% 18
Mifugo Loan 22.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 100.00 ongoing 42.9% - 44% 86.3% - 96.4% 24
Msingi Loan 22.0% annual, Flat 1 Fee 1 Ins None 10.0%-25.0% upfront 40.8% - 44% 66.5% - 80.6% 30
Upesi Loan 24.0% annual, Flat 0 Fees 0 Ins None N/A 39.4% - 40.7% 39.4% - 40.7% 60
Biashara Loan 22.0% annual, Flat 2 Fees 1 Ins None 1,000.00 ongoing 42.2% - 44.1% 46.2% - 48.2% 47
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001101
AMPL000101
Arman41,500529,107,0001101
Arohan43,5008,091,0002101
ASA INDIA164,00015,380,0001101
Asirvad113,50019,328,0001101
Asmitha1,114,800217,867,0001101
Bandhan4,048,600674,564,0005101
Belstar123,00023,945,000280
BSFL275,20031,590,0003101
Chaitanya20,7003,748,0003101
Disha Microfin69,00014,332,0002101
Equitas1,220,000186,415,0004101
ESAF354,20043,500,0005101
FFSL150,60035,719,0002101
Fusion66,8009,820,0002101
Grama Vidiyal738,200102,101,0001101
Grameen Koota586,60083,555,00015103
Janalakshmi506,000119,077,0002101
L & T Finance399,80037,199,0001101
MFL331,80049,083,0001101
MMFL175,00023,752,0002101
Mpower13,6002,263,0002101
Sahayata000101
Saija24,7004,682,0002101
Samasta45,5004,809,0002101
Satin405,60090,174,0002101
SCCI115,60015,910,0002101
Share2,195,400376,727,0001101
SKS3,409,000355,029,0002101
SMILE360,20056,927,0001101
SNFL9,4001,779,0001101
Sonata Finance158,20022,724,0003103
Spandana533,400147,240,0002101
Suryoday78,60014,713,0003101
SVCL118,20018,886,0001101
Swadhaar92,80017,166,0003101
Trident68,7008,852,0001101
Ujjivan913,300160,848,0005101
Utkarsh168,60025,915,0003101
VFS175,40019,264,0002101
Asomi50,3004,743,0002134
AES India3,600286,0001134
Arth2,900611,0002134
Asomi50,3004,743,0002134
Barasat GS1,10099,508.021134
BJS6,000468,0001134
Cashpor417,00050,452,0001133
Credible10,0001,669,540.362134
DIBAKAR1,800145,0001133
GOF65,2005,388,0004133
Hope62,6004,407,0001131
Jaago2,700237,0001132
LOK4,900573,0001133
Nano25,6003,660,0002134
NBSAAVS28,1002,821,0001131
Nirantara8,200917,0002133
Parama7,100482,0001133
Pragathi26,2004,579,0006133
PWMACS36,5005,946,0001133
Saadhana90,90012,046,0002133
Sambhav1,500183,0003133
Seba Rahara6,700468,0001133
SU61,1005,498,0001133
Swayanshree7,900918,0002133
Vikas Samiti1,600168,0001133
Vistaar4,3001,157,0002131
We The People1,100244,0002133
WEMCS1,10085,0001133
Yukti1,10099,0002133
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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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