| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.pawdep.org/ |
| Year established | 2004 |
| Head of Institution | Mary Muthoni Chege |
| Regions active | Central, Eastern, Nairobi, North Eastern, Rift Valley |
| # Branches | 11 |
| Total Portfolio (nat'l) | KES 643,652,859 |
| Total Portfolio (USD) | USD 7,773,585.25 |
| Active clients with loans | 39,401 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMFI, AMT, NGO Council |
| Funders | Women Enterprise Fund |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | Dedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 231,643,414 |
| Total Portfolio (USD) | USD 593,957.47 |
| Active clients with loans | 48,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | KES 5,000 - 200,000 | 15 - 52 | 80% - 100% | 40% - 60% | Any Purpose | Women | Credit Educ, Group Mtgs, Business Training | |||||||
| Haraka Loan | KES 500 - 100,000 | 1 | 80% - 100% | 40% - 60% | Any Purpose | Women | Group Mtgs, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 10,000 - 50,000 | 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education | |||||||
| Masika (Village Enterprise Loan) | MWK 2,000 - 200,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 40.0% upfront 200.00 ongoing | 19.1% - 20.4% | 50.6% - 106.5% | 26 | ||||||||
| Haraka Loan | 60.0% annual, Flat | 1 Fee | 0 Ins | None | 30.0% upfront 200.00 ongoing | 58.7% - 60% | 83% - 84.9% | 71 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nuru Loan | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 40.0% upfront 200.00 ongoing | 19.1% - 20.4% | 50.6% - 106.5% | 26 | ||||||||
| Haraka Loan | 60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 30.0% upfront 200.00 ongoing | 58.7% - 60% | 83% - 84.9% | 71 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
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