2. Yehu
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Viator
Please note that the information you are viewing is 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 135 months
Choose version
  • No previous version for this product.

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 114 months

Product

Maji ni Uhai Loan Product 9 of 12 « Prev | Next »

Product

Micro-Business Loan USD Product 6 of 8 « Prev | Next »

Product Summary

Number borrowers313
Loan Amount (range)KES 10,000 - 150,000
Loan Term (range)6 - 18
Other Services (text summary)Group Mtgs, Business Training, Other Training, Leadership Training
Annual Interest & Method20.5% annual, Flat
Fees400.00-0.00 upfront
Insurance1.50% upfront
TaxNone
Comp Dep10.0%-15.0% upfront 100.00 ongoing
Range of pricing 
Interest Price Component33.6% - 40.3%
Fee Component0 - 10.6%
Insurance Component0 - 4.1%
Tax Component Range0
Full APR (int fee ins tax dep)51.8% - 80.1%
Transparency Index (min/max)24 - 56
Transparency Index (average)33

Product Summary

4,771
USD 400 - 4,000
3 - 18
Business Training, Other Training
28.8%-34.8% annual, Decl Bal
2.00%-3.00% upfront
1.00% upfront
None
N/A
 
28.3% - 30.8%
2.7% - 3.9%
1.4% - 2.0%
0
34.9% - 36.7%
78 - 89
80

Product Details

Key Statistics
Outstanding portfolio (KES)KES 8,150,994.28
Portfolio (USD)USD 98,441.96
Active Clients with Loans313
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for the purchase of above or underground static water storage tanks from 1,000 liters, water harvesting pans, piping and accessories, plumbing works, septic tanks, and concrete water storage.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
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

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,967,337
Portfolio (USD)USD 4,967,337
Active Clients with Loans4,771
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan product is developed for the Micro-entrepreneurs who are engaged into micro-business regardless of clssification either trade, service or manufacturing.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGanja-Qazakh, Shaki-Zaqatala

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 10,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00070%
KES 50,000-150,00030%
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 term6.0 months
Longest loan term18.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months30%
Between 13 and 18 months40%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size4,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50060%
USD 1,500-5,00040%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months50%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.50%
Highest quoted nominal interest20.50%
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

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.90%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Viator provides Micro-Business loan soft (USD) with interest rate 2.4% only for clients who are in the 10th cycle and for the clients who have finished 2 business courses training of the FINLED (Financial Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator shoulders the Credit Bureau fee of 1 AZN.

Full Pricing Data

Maji ni Uhai Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 20,000KES 50,000KES 70,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-192013-05-092013-07-082013-05-06
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,590KES 4,804KES 11,750KES 16,100.08
True Price by Comp       
Interest price component36.8%37.0%37.8%37.0%
Fee Component8.4%4.1%2.1%2.0%
Insurance Component3.2%3.2%3.1%3.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component31.7%21.0%10.4%9.7%
Full APR (int fee ins tax dep)80.1%65.3%53.4%51.8%
Transparency Index26313840
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Micro-Business Loan USD samples
Sample 1Sample 2
Loan AmountUSD 1,000USD 3,300
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2014-06-252014-06-13
Loan Term (Months)12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditUSD 206.95USD 973.16
True Price by Comp   
Interest price component30.8%30.7%
Fee Component3.9%2.8%
Insurance Component2.0%1.4%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)36.7%34.9%
Transparency Index7883
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Maji ni Uhai Loan Price Graphs


Click to view Price Analysis Tool
Micro-Business Loan USD Price Graphs


Click to view Price Analysis Tool
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞