| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.kadet.co.ke/ |
| Year established | 2001 |
| Head of Institution | Peter K. Mugendi |
| Regions active | 0 |
| # Branches | 39 |
| Total Portfolio (nat'l) | KES 592,197,422 |
| Total Portfolio (USD) | USD 7,152,142.78 |
| Active clients with loans | 18,551 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.nbsmw.com/ |
| Year established | 2004 |
| Head of Institution | John S Biziwick |
| Regions active | Lilongwe, Rumphi, Blantyre, Mulanje |
| # Branches | 3 |
| Total Portfolio (nat'l) | MWK 380,000,000 |
| Total Portfolio (USD) | USD 974,358.97 |
| Active clients with loans | 1,000 |
| Approximate % female clients | 20% - 40% |
| 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% | This is for agriculture related purposes only. | Women, Men | Credit Ins, Tech Asst Visits | |||||||
| Business Loan | KES 3,000 - 3,000,000 | 3 - 12 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| School Fees Loan | KES 5,000 - 50,000 | 3 - 12 | 60% - 80% | 40% - 60% | Education | Women, Men, Cheque given to the institution requiring the school fees | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ordinary SME Loan | MWK 200,000 - 1,500,000 | 1 - 24 | 0% - 20% | 20% - 40% | Business, Can be used for ANY business use | Women, Men, Have business, Specific age group, Fixed business or residential place, Produce business records or bank statements | Credit Educ, Tech Asst Visits, Business Training, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 19.5% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront | 0% | 0% | N/A | ||||||||
| Business Loan | 19.5% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront | 0% | 0% | N/A | ||||||||
| School Fees Loan | 0.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ordinary SME Loan | 24.00%-36.00% annual, Decl Bal | 1 Fee | 0 | None | N/A | 37.9% - 38.3% | 37.9% - 38.3% | 63 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 19.5% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront | 0% | 0% | N/A | ||||||||
| Business Loan | 19.5% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront | 0% | 0% | N/A | ||||||||
| School Fees Loan | 0.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ordinary SME Loan | 24.00%-36.00% annual, Decl Bal | 1 Fee | 0 | None | N/A | 37.9% - 38.3% | 37.9% - 38.3% | 63 |
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