| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.rafode.org/ |
| Year established | 2005 |
| Head of Institution | Antony Mayodi |
| Regions active | Nyanza, Rift Valley, Western |
| # Branches | 2 |
| Total Portfolio (nat'l) | KES 31,000,000 |
| Total Portfolio (USD) | USD 374,396.14 |
| Active clients with loans | 3,120 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Punjab |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 51,356,249 |
| Total Portfolio (USD) | USD 524,043.36 |
| Active clients with loans | 2,516 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | KES 3,000 - 78,000 | 6 - 18 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Home-based care training, HIV/AIDS counseling |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PKR 10,000 - 75,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Women, Men, Have business, Specific age group | Group Mtgs, Other Training | |||||||
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 18.0%-36.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 200.00 ongoing | 38.7% - 125% | 110% - 232.9% | 11 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 18.0%-36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 200.00 ongoing | 38.7% - 125% | 110% - 232.9% | 11 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
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