Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.equitybank.co.ke/ |
Year established | 1984 |
Head of Institution | Dr. James Mwangi |
Regions active | 0 |
# Branches | 112 |
Total Portfolio (nat'l) | KES 62,053,365,859 |
Total Portfolio (USD) | USD 749,436,785.70 |
Active clients with loans | 715,969 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | http://www.confiar.coop/ |
Year established | 1972 |
Head of Institution | Oswaldo Gómez |
Regions active | |
# Branches | 37 |
Total Portfolio (nat'l) | COP 311,910,000,000 |
Total Portfolio (USD) | USD 171,379,120.90 |
Active clients with loans | 43,877 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | KES 100,000 - 4,000,000,000 | 1 - 36 | 40% - 60% | 40% - 60% | Business, Purchase of farm inputs and farm machinery. | Women, Men, Must be in commercial farming for at least one year, Active account with Equity where proceeds are remitted. | Credit Ins | |||||||
Asset Finance Loan | KES 100,000 - 4,000,000,000 | 1 - 48 | 40% - 60% | 40% - 60% | Business, Loan specifically used for purchase of assets. | Women, Men, Equity Bank customer for at least one month or other bank statement, The asset being purchased is used as security for the loan. | Credit Ins | |||||||
Biashara Imara Loan | KES 5,000 - 500,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have operated the business for more than one year | Credit Ins, Tech Asst Visits, Business Training | |||||||
Business Loan | KES 300,000 - 4,000,000,000 | 1 - 60 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have operated the business for at least one year, Must have active account for at least 6 mos with Equity or other bank | Credit Ins | |||||||
Fanikisha - Fedha - Loan | KES 300,000 - 1,000,000 | 1 - 18 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Fanikisha - Imara - Loan | KES 30,000 - 500,000 | 1 - 18 | 80% - 100% | 40% - 60% | Business | Women, Have business, Women who lack conventional securities. | Credit Ins, Tech Asst Visits, Business Training | |||||||
Fanikisha - Shaba - Loan | KES 1,000 - 300,000 | 6 - 18 | 80% - 100% | 40% - 60% | Business | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Farm Input Loan | KES 1,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business, Purchase of farm inputs | Women, Men, Must be in small scale or commercial farming, Active Equity Bank account where agricultural proceeds are remitted | Credit Ins | |||||||
Insurance Premium Finance Loan | KES 5,000 - 4,000,000,000 | 1 - 10 | 40% - 60% | 40% - 60% | Can only be used for financing insurance premiums. | Women, Men | ||||||||
Vijana Business Loan | KES 1,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Specific age group, Must have undergone group training through Ministry of Youth or Gender, Must be between 18 and 35 years old | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Especial | COP 258,000 - 5,869,000 | 1 - 60 | 0% | 0% | Any Purpose | Women, Men | ||||||||
CrediAportes | COP 258,000 - 8,569,000 | 6 - 36 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Debe ser Asociado de la Cooperativa. | Credit Ins | |||||||
Credifacil | COP 267,800 - 34,814,000 | 6 - 60 | 0% | 0% | Any Purpose | Women, Men | ||||||||
Microcredit Productivo | COP 268,000 - 64,272,000 | 6 - 60 | 0% | 0% | Any Purpose | Women, Men | ||||||||
Ordinario | COP 535,600 - 38,625,000 | 6 - 60 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men | Credit Ins | |||||||
Vivienda de Interés Social VIS | COP 7,000,000 - 57,845,000 | 60 - 144 | 40% - 60% | 40% - 60% | Business, Para compra o construcción de Vivienda | Women, Men | Credit Ins | |||||||
Vivienda Especial | COP 35,000,000 - 84,975,000 | 60 - 120 | 40% - 60% | 40% - 60% | Housing, Para compra o construcción de Vivienda., Activo Fijo | Women, Men | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Asset Finance Loan | 8.5% annual, Flat | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Biashara Imara Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Fanikisha - Fedha - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A | ||||||||
Fanikisha - Imara - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Fanikisha - Shaba - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A | ||||||||
Farm Input Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Insurance Premium Finance Loan | 54.0%-90.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Vijana Business Loan | 8.0% annual, Flat | 0 Fees | 1 Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Especial | 7.3%-14.5% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 9.2% - 14.5% | 11.5% - 14.7% | 58 | ||||||||
CrediAportes | 11.0%-13.8% annual, Decl Bal | 1 Fee | 0 Ins | None | 52,000.00 upfront | 12.3% - 17.6% | 12.5% - 18.8% | 74 | ||||||||
Credifacil | 14.4%-15.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 14.1% - 19.6% | 14.1% - 20.9% | 82 | ||||||||
Microcredit Productivo | 16.8%-24.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 20.3% - 30.8% | 20.3% - 37.1% | 63 | ||||||||
Ordinario | 16.8%-18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 52,000.00 upfront | 17.8% - 20% | 18.2% - 21.6% | 86 | ||||||||
Vivienda de Interés Social VIS | 12.4% annual, Decl Bal | 0 Fees | 2 Ins | None | 258,000.00 upfront | 12.2% | 12.7% - 13.5% | 95 | ||||||||
Vivienda Especial | 15.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 515,000.00 upfront | 14% | 14.9% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Asset Finance Loan | 8.5% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Biashara Imara Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Fanikisha - Fedha - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A | ||||||||
Fanikisha - Imara - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Fanikisha - Shaba - Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A | ||||||||
Farm Input Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Insurance Premium Finance Loan | 54.0%-90.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Vijana Business Loan | 8.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 10.0% upfront 100.00 ongoing | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Especial | 7.3%-14.5% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 9.2% - 14.5% | 11.5% - 14.7% | 58 | ||||||||
CrediAportes | 11.0%-13.8% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 52,000.00 upfront | 12.3% - 17.6% | 12.5% - 18.8% | 74 | ||||||||
Credifacil | 14.4%-15.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 14.1% - 19.6% | 14.1% - 20.9% | 82 | ||||||||
Microcredit Productivo | 16.8%-24.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 20.3% - 30.8% | 20.3% - 37.1% | 63 | ||||||||
Ordinario | 16.8%-18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 52,000.00 upfront | 17.8% - 20% | 18.2% - 21.6% | 86 | ||||||||
Vivienda de Interés Social VIS | 12.4% annual, Decl Bal | 0 Fees | 2 Ins Ins | None | 258,000.00 upfront | 12.2% | 12.7% - 13.5% | 95 | ||||||||
Vivienda Especial | 15.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 515,000.00 upfront | 14% | 14.9% | 100 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |