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Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 107 months

Product

Agriculture Loan - Meat Goat Product 1 of 12 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 2,005,593.13
Portfolio (USD)USD 24,222.14
Active Clients with Loans181
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Used for working capital to buy stock (live goats) that farmers can sell in the markets.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherLeadership training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCoast

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00080%
KES 50,000-150,00020%
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average12.0 months
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture Loan - Meat Goat samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 15,000KES 20,000KES 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-07-042013-03-262013-05-292013-05-06
Loan Term (Months)12.0 months9.0 months12.0 months12.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,662KES 2,987.50KES 4,900KES 7,162
True Price by Comp       
Interest price component38.0%37.0%37.8%37.9%
Fee Component8.4%7.0%4.1%2.7%
Insurance Component3.3%4.0%3.2%3.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component32.1%23.1%21.3%18.3%
Full APR (int fee ins tax dep)81.8%71.1%66.4%62.1%
Transparency Index24283032
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Agriculture Loan - Meat Goat Price Graphs


Institution # Borrowers Portfolio (US$) Products Age of Data
ACLEDA235,200215,086,0006133
AMK288,20063,784,00016105
AMRET299,500149,542,0008105
Chamroeun48,1007,480,000485
Farmer Finance200407,0001105
First Finance5005,819,0001105
HKL73,40093,842,0003105
KREDIT61,80059,319,0009105
Maxima2,9003,179,0003105
PRASAC138,500251,931,0009105
Seilanithih15,2007,516,0005105
SPN35,10029,828,0006105
TPC120,00045,931,00013105
VF Cambodia148,60048,984,00018105
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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