| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.kadet.co.ke/ |
| Year established | 2001 |
| Head of Institution | Fidel Okillah |
| Regions active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
| # Branches | 39 |
| Total Portfolio (nat'l) | KES 447,325,485 |
| Total Portfolio (USD) | USD 5,402,481.70 |
| Active clients with loans | 12,923 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | KES 5,000 - 1,000,000 | 3 - 24 | 40% - 60% | 60% - 80% | Agriculture | Women, Men | Credit Ins, Tech Asst Visits | |||||||
| Business Loan | KES 3,000 - 3,000,000 | 3 - 24 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| School Fees Loan | KES 5,000 - 150,000 | 3 - 12 | 60% - 80% | 40% - 60% | Education | Women, Men | Credit Ins | |||||||
| Asset Loan | KES 5,000 - 1,600,000 | 3 - 12 | 20% - 40% | 60% - 80% | Business, Consumer, Other | Women, Men | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 18.0%-22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0%-30.0% upfront 400.00 ongoing | 25% - 26.1% | 35.3% - 40.9% | 47 | ||||||||
| Business Loan | 18.0%-22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0%-30.0% upfront 400.00 ongoing | 35.7% - 47.6% | 60.8% - 91.1% | 25 | ||||||||
| School Fees Loan | 18.0%-22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 43.3% - 46.7% | 45.8% - 51.1% | 37 | ||||||||
| Asset Loan | 18.0%-19.5% annual, Flat | 1 Fee | 1 Ins | None | 20.0%-30.0% upfront 400.00 ongoing | 43.4% - 50.1% | 70.6% - 104.4% | 21 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 159 |
| CEPESIU | 2,000 | 939,000 | 4 | 159 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 159 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 159 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 159 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 159 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 159 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 159 |
| COAC San José | 10,400 | 29,133,000 | 5 | 159 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 159 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 159 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 159 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 156 |
| CooP VPR | 700 | 1,052,000 | 4 | 159 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 159 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 159 |
| D^Miro | 36,900 | 27,692,000 | 9 | 152 |
| DECOF | 2,200 | 705,000 | 2 | 159 |
| Espoir | 62,100 | 21,036,000 | 5 | 159 |
| FODEMI | 28,200 | 12,924,000 | 3 | 159 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 159 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 159 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 159 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 159 |
| ProCredit | 43,800 | 211,941,000 | 2 | 159 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 159 |
| 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 ∞ | ||||||
