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 | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.thardeep.org |
Year established | 1998 |
Head of Institution | Ms. Parsa Pathani |
Regions active | Sindh |
# Branches | 151 |
Total Portfolio (nat'l) | PKR 1,407,060,752 |
Total Portfolio (USD) | USD 13,817,336.58 |
Active clients with loans | 100,001 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | PKR 5,000 - 100,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
Livestock Loans | PKR 5,000 - 70,000 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Livestock | Women, Men, must have livestock or want to purchase livestock | Credit Educ, Business Training | |||||||
Agriculture Loans | PKR 5,000 - 40,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Men, Have home or land | Credit Educ |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
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