Institution Type | Non Bank Financial Institution |
Is this institution regulated? | No |
Website address | http://opportunity.net/kenya/ |
Year established | 2006 |
Head of Institution | Lydia Njoroge |
Regions active | Nairobi, Nyanza, Rift Valley, Western |
# Branches | 11 |
Total Portfolio (nat'l) | KES 402,920,910 |
Total Portfolio (USD) | USD 4,866,194.57 |
Active clients with loans | 9,122 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Opportunity International, AMFI |
Funders | Opportunity International USA, Wedco Enterprises Limited |
Institution Type | Private 'For-Profit' |
Is this institution regulated? | Yes |
Website address | http://www.prasac.com.kh/ |
Year established | 1995 |
Head of Institution | Sim Senacheert |
Regions active | 0 |
# Branches | 91 |
Total Portfolio (nat'l) | KHR 425,374,000,000 |
Total Portfolio (USD) | USD 106,343,395.50 |
Active clients with loans | 105,953 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | |
Funders | Dragon Capital Group, FMO, BIO, LOLC |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | KES 10,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 12 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Nguzo Loan | KES 50,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 24 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Somesha (Education) Loan | KES 5,000 - 100,000 | 3 - 12 | 40% - 60% | 60% - 80% | Education | Women, Men, Must be attending an educational institution or have a dependent attending | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Asset Loan | KES 5,000 - 2,000,000 | 6 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | USD 75 - 25,000 | 4 - 26 | 40% - 60% | 0% - 20% | Business, Agricultural Production | Have home or land | Credit Educ | |||||||
Agricultural Production Loan (KHR) | KHR 300,000 - 40,000,000 | 4 - 26 | 40% - 60% | 0% - 20% | Business, Agricultural Production | Have home or land | Credit Educ | |||||||
Biodigester Loan (USD) | USD 75 - 1,000 | 0 | 20% - 40% | 0% - 20% | ||||||||||
Business Loan (KHR) | KHR 300,000 - 40,000,000 | 4 - 26 | 40% - 60% | 0% - 20% | Business | Have business, Have home or land | Credit Educ | |||||||
Business Loan (USD) | USD 75 - 25,000 | 4 - 26 | 40% - 60% | 0% - 20% | Business | Have business, Have home or land | Credit Educ | |||||||
Consumption Loan (KHR) | KHR 300,000 - 40,000,000 | 4 - 26 | 40% - 60% | 0% - 20% | Housing, Consumer, Education | Have business, Have home or land | Credit Educ | |||||||
Consumption Loan (USD) | USD 75 - 10,000 | 4 - 26 | 40% - 60% | 0% - 20% | Housing, Consumer, Education | Have business, Have home or land | Credit Educ | |||||||
Group Loan (KHR) | KHR 50,000 - 5,000,000 | 4 - 12 | 80% - 100% | 80% - 100% | Any Purpose | Group Mtgs | ||||||||
Group Loan (USD) | USD 15 - 1,250 | 4 - 12 | 80% - 100% | 80% - 100% | Any Purpose | Group Mtgs |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.1% - 32.9% | 23.1% - 32.9% | 67 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 78 | ||||||||
Biodigester Loan (USD) | 1.2% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 9.1% - 14.6% | 9.1% - 14.6% | 9 | ||||||||
Business Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 79 | ||||||||
Business Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.1% - 32.7% | 23.1% - 32.7% | 68 | ||||||||
Consumption Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 77 | ||||||||
Consumption Loan (USD) | 21.6%-32.4% annual, Flat | 0 Fees | 0 Ins | None | N/A | 22.9% - 32.8% | 22.9% - 32.8% | 76 | ||||||||
Group Loan (KHR) | 39.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 32.8% - 35.3% | 32.8% - 35.3% | 100 | ||||||||
Group Loan (USD) | 32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 30.4% - 32.8% | 30.4% - 32.8% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.1% - 32.9% | 23.1% - 32.9% | 67 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 78 | ||||||||
Biodigester Loan (USD) | 1.2% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 9.1% - 14.6% | 9.1% - 14.6% | 9 | ||||||||
Business Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 79 | ||||||||
Business Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.1% - 32.7% | 23.1% - 32.7% | 68 | ||||||||
Consumption Loan (KHR) | 25.2%-34.8% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 28% - 35.3% | 28% - 35.3% | 77 | ||||||||
Consumption Loan (USD) | 21.6%-32.4% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 22.9% - 32.8% | 22.9% - 32.8% | 76 | ||||||||
Group Loan (KHR) | 39.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 32.8% - 35.3% | 32.8% - 35.3% | 100 | ||||||||
Group Loan (USD) | 32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 30.4% - 32.8% | 30.4% - 32.8% | 100 |
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