| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1996 |
| Head of Institution | |
| Regions active | |
| # Branches | 11 |
| Total Portfolio (nat'l) | ZMK 8,200,000,000 |
| Total Portfolio (USD) | USD 1,584,541.06 |
| Active clients with loans | 14,300 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMIZ, AFRACA, INAFI |
| Funders | UNDP, IFAD (International Fund for Agricultural Development) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equipment Loan | ZMK 2,000,000 - 50,000,000 | 12 - 36 | 20% - 40% | 40% - 60% | Business, Farmining business for throughout the year | Women, Men, Must have a farm holding and source of water throughout the year | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual SME Loan | ZMK 1,000,000 - 10,000,000 | 3 - 12 | 40% - 60% | 60% - 80% | Business, Consumer | Women, Men, Have business, Salaried worker, Either run a business or be salaried | Credit Educ, Group Mtgs, Business Training | |||||||
| Twende Loan | ZMK 400,000 - 7,000,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business, Start a business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Savings , Education on HIV/AIDS, Gender, and Environment | |||||||
| Dairy Loan | ZMK 500,000 - 25,000,000 | 6 - 24 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business, Be in a business or start one; belong to a dairy cooperative | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equipment Loan | 25.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 28.1% - 28.5% | 30.4% - 30.8% | 81 | ||||||||
| Individual SME Loan | 60.0%-72.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 67.6% - 70% | 72.2% - 74.7% | 82 | ||||||||
| Twende Loan | 60.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 15,000.00 upfront 6,000.00 ongoing | 60.2% - 63.2% | 65.3% - 82.4% | 86 | ||||||||
| Dairy Loan | 30.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 59% - 59.8% | 63.5% - 64.4% | 47 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 96 |
| KF | 233,600 | 41,416,000 | 4 | 95 |
| NRSP | 399,900 | 70,157,000 | 3 | 96 |
| ASA | 230,400 | 29,637,000 | 3 | 96 |
| TMFB | 221,200 | 85,449,000 | 7 | 96 |
| FMFB | 163,544 | 38,481,323 | 9 | 114 |
| TRDP | 100,000 | 13,817,000 | 3 | 96 |
| PRSP | 75,656 | 9,907,176 | 3 | 114 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 96 |
| SRSO | 51,100 | 7,775,000 | 3 | 96 |
| SSF | 46,000 | 4,776,000 | 3 | 96 |
| FINCA | 82,000 | 43,559,000 | 9 | 96 |
| JWS | 36,000 | 6,545,000 | 2 | 96 |
| RCDS | 35,552 | 4,856,122 | 4 | 114 |
| DAMEN | 35,185 | 7,150,864 | 1 | 114 |
| FFO | 22,400 | 3,335,000 | 3 | 96 |
| OLP | 21,400 | 3,510,000 | 3 | 96 |
| CSC | 17,600 | 3,147,000 | 1 | 96 |
| AMRDO | 13,800 | 1,206,000 | 5 | 96 |
| WMBL | 13,800 | 6,105,000 | 3 | 96 |
| Mojaz | 13,400 | 2,415,000 | 2 | 96 |
| SDF | 11,500 | 1,041,000 | 4 | 96 |
| POMFB | 8,500 | 2,795,000 | 4 | 96 |
| OPD | 7,500 | 918,000 | 2 | 96 |
| AGAHE | 7,300 | 797,000 | 2 | 96 |
| NRDP | 6,184 | 1,521,972 | 3 | 114 |
| GBTI | 6,100 | 669,000 | 3 | 114 |
| WASIL | 4,300 | 1,135,000 | 2 | 96 |
| Micro Options | 4,000 | 768,000 | 5 | 96 |
| VDO | 3,900 | 489,000 | 3 | 114 |
| SVDP | 3,900 | 811,000 | 13 | 114 |
| SRDO | 3,500 | 766,000 | 4 | 96 |
| OSDI | 2,000 | 923,000 | 3 | 96 |
| APMBL | 1,800 | 1,401,000 | 3 | 96 |
| BEDF | 1,400 | 209,000 | 3 | 114 |
| KCDO | 800 | 94,000 | 1 | 114 |
| Key Statistics | |
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| % Products with one or more insurances | |
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