Yehu Microfinance Trust - MFTransparency.org Truth In Lending Tables

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Institution

Yehu Microfinance Trust PO Box 82120Mombasa

Data approved: 2013-09-13

Data version: 2

Age of data: 130 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://yehu.org/
Year established	1999
Head of Institution	Adet N. Kachi
Regions active	Coast
# Branches	8

Total Portfolio (nat'l)	KES 252,974,696
Total Portfolio (USD)	USD 3,055,249.95
Active clients with loans	13,849
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations
Funders

Loan Products » Summary

Meat

181 Borrowers

USD 24,222.14 Portfolio

Active Product

Poultry

109 Borrowers

USD 19,287.16 Portfolio

Active Product

Business

11,255 Borrowers

USD 2,533,955.75 Portfolio

Active Product

Top-Up

364 Borrowers

USD 157,605.12 Portfolio

Active Product

Afya

57 Borrowers

USD 3,337.14 Portfolio

Active Product

Mabati

157 Borrowers

USD 40,853.30 Portfolio

Active Product

Elimu

302 Borrowers

USD 58,271.89 Portfolio

Active Product

Emergency

396 Borrowers

USD 56,922.86 Portfolio

Active Product

Maji

313 Borrowers

USD 98,441.96 Portfolio

Active Product

Sikukuu

886 Borrowers

USD 100,862.67 Portfolio

Active Product

Special

32 Borrowers

USD 56,011.31 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Loan - Meat Goat	KES 5,000 - 150,000	3 - 18	80% - 100%	20% - 40%	Business	Women, Men, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Agriculture Loan - Poultry	KES 10,000 - 60,000	3 - 24	80% - 100%	20% - 40%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Business Loan	KES 5,000 - 1,000,000	3 - 36	80% - 100%	40% - 60%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Top Up Loan	KES 5,000 - 1,000,000	3 - 24	80% - 100%	20% - 40%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership Training
Afya Loan	KES 12,745 - 12,745	3 - 12	80% - 100%	40% - 60%	Other	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Mabati Loan	KES 5,000 - 150,000	6 - 18	60% - 80%	20% - 40%	Housing	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Elimu Loan	KES 20,000 - 100,000	3 - 12	60% - 80%	60% - 80%	Housing	Women, Men, Specific age group	Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
Emergence Loan	KES 5,000 - 40,000	3 - 9	80% - 100%	80% - 100%	Any Purpose	Women, Men, Specific age group
Maji ni Uhai Loan	KES 10,000 - 150,000	6 - 18	80% - 100%	20% - 40%	Agriculture, Housing	Women, Men, Specific age group	Group Mtgs, Business Training, Other Training, Leadership Training
Sikukuu Loan	KES 5,000 - 10,000	3 - 12	60% - 80%	20% - 40%	Any Purpose	Women, Men, Specific age group

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan - Meat Goat	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.6% - 46.4%	62.1% - 81.8%	28
Agriculture Loan - Poultry	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.9% - 47.8%	59.3% - 81.5%	29
Business Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 40.5%	50.4% - 62%	39
Top Up Loan	21.0% annual, Flat	0 Fees	0 Ins	None	N/A	37.8% - 38.2%	37.8% - 38.2%	55
Afya Loan	18.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40%	68.6%	31
Mabati Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 46.2%	51.3% - 81.5%	35
Elimu Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39.6% - 41.9%	58.7% - 66.4%	34
Emergence Loan	21.0% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	40.5% - 47.6%	62.2% - 81.1%	30
Maji ni Uhai Loan	20.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	39% - 45.2%	51.8% - 80.1%	33
Sikukuu Loan	22.5% annual, Flat	1 Fee	1 Ins	None	10.0%-15.0% upfront 100.00 ongoing	48.7% - 50.1%	84.6% - 85.1%	26

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	146
Ahantaman RB	23,800	9,896,000	4	128
APED	13,700	1,876,000	2	128
ASA Initiative	4,400	577,000	4	128
ASA-Ghana	71,600	18,385,000	2	128
ASPI	800	88,000	6	128
Atwima Kwanwoma	3,800	1,788,000	2	128
Baobab	5,100	967,000	2	128
BestFUND	13,000	4,172,000	3	128
Bonzali Rural	10,400	1,691,000	4	146
CashPhase	83	135,000	2	128
CASUD	1,100	524,000	1	128
CEDEF	500	54,000	4	128
CFF	100	13,000	1	128
CRAN	3,600	1,019,000	2	128
DQF	1,700	63,000	2	128
EASL	9,200	11,409,000	6	128
East Mamprusi	12,500	2,268,000	4	128
ELDA	0	0	0	128
EMPRETEC Ghana	200	56,000	2	128
FASL	13,500	14,047,000	8	128
Grameen Ghana	9,500	507,000	3	128
ID-Ghana	5,600	953,000	3	128
Innovative Finance	2,700	354,000	3	128
Kraban Support	7,700	781,000	5	146
KRB	4,000	6,350,000	3	128
Lower Pra RB	34,000	6,316,000	3	146
Maata-N-Tudu	12,000	941,000	4	128
Mail Finance	300	288,000	1	128
Markaz	0	0	0	128
Markaz Al Bishara	100	17,000	1	128
MicrofinPlus Gh	1,100	251,000	2	128
Nwabiagya RB	4,000	2,265,000	3	128
OISL	62,000	27,232,000	9	128
Pro Credit	0	0	0	128
Rich Step	100	101,000	1	128
SAT	147,600	29,359,000	4	128
Sekam Trust	600	137,000	2	128
Simli Pong	8,900	463,000	3	146
SS Ghana	200	35,000	1	128
TCCU	100	32,000	3	128
The Bridge	400	32,000	3	146
Union RB	3,800	2,361,000	4	128

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

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Total Borrrowers of Samples


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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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