KENYA WOMEN FINANCE TRUST
LOAN PORTFOLIO DATA ANALYSIS  MARCH  2009
	MT K EAST	MT K WEST	NBI NORTH	NAIROBI	CENTRAL RIFT	CENTRAL ZONE	SOUTH COAST	NORTH COAST	EASTERN	L  EASTERN	EASTERN ZONE	C NYANZA	S NYANZA	WESTERN	SOUTH RIFT	NORTH RIFT	WESTERN ZONE	TOTAL	MT K EAST	MT K WEST	NBI NORTH	NAIROBI	CENTRAL RIFT	CENTRAL ZONE	SOUTH COAST	NORTH COAST	EASTERN	L  EASTERN	EASTERN ZONE	C NYANZA	S NYANZA	WESTERN	SOUTH RIFT	NORTH RIFT	WESTERN ZONE	TOTAL	GRAND TOTAL
ACTUALS	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	GROUP	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	INDIVIDUAL	GRP & IND
Bal b/f	251,109,807	408,727,876	437,358,177	505,478,867	484,669,060	2,087,343,787	416,293,954	391,728,211	328,300,292	283,358,678	1,419,681,135	250,904,083	496,718,716	906,062,166	422,145,290	564,546,839	2,640,377,094	6,147,402,016	31,332,884	27,264,292	56,188,841	114,376,602	100,240,557	329,403,176	25,167,948	17,937,540	18,532,913	27,695,303	89,333,704	14,323,085	10,681,415	83,091,615	42,952,340	106,691,985	257,740,440	676,477,319	6,823,879,335
Disbursements	164,982,834	152,008,756	159,770,904	231,616,358	175,823,663	884,202,515	159,335,600	108,960,045	152,107,902	109,633,092	530,036,639	69,033,816	221,852,680	318,187,631	223,587,078	317,338,644	1,149,999,849	2,564,239,003	34,061,650	19,720,000	46,550,000	107,400,000	45,745,000	253,476,650	14,570,000	10,600,000	20,170,000	12,604,250	57,944,250	9,850,000	20,115,977	45,090,000	28,000,000	91,090,000	194,145,977	505,566,877	3,069,805,880
Repayments	141,267,498	98,663,260	124,252,084	99,339,676	171,728,108	635,250,626	87,461,729	80,110,387	139,318,376	105,530,164	412,420,656	70,984,477	146,725,348	252,312,155	167,890,416	220,471,372	858,383,768	1,906,055,050	17,546,024	9,305,637	23,199,992	60,084,228	37,956,245	148,092,126	5,285,266	4,786,706	11,223,845	13,608,775	34,904,592	3,824,273	7,876,746	8,958,358	18,447,608	49,445,482	88,552,467	271,549,185	2,177,604,235
Bal c/f	274,825,143	462,073,372	472,876,997	637,755,549	488,764,615	2,336,295,676	488,167,825	420,577,869	341,089,818	287,461,606	1,537,297,118	248,953,422	571,846,048	971,937,642	477,841,952	661,414,111	2,931,993,175	6,805,585,969	47,848,510	37,678,655	79,538,849	161,692,374	108,029,312	434,787,700	34,452,682	23,750,834	27,479,068	26,690,778	112,373,362	20,348,812	22,920,646	119,223,257	52,504,731	148,336,503	363,333,949	910,495,011	7,716,080,980
DUES
Bal b/f	251,109,807	408,727,876	437,358,177	505,478,867	484,669,060	2,087,343,787	416,293,954	391,728,211	328,300,292	283,358,678	1,419,681,135	250,904,083	496,718,716	906,062,166	422,145,290	564,546,839	2,640,377,094	6,147,402,016	31,332,884	27,264,292	56,188,841	114,376,602	100,240,557	329,403,176	25,167,948	17,937,540	18,532,913	27,695,303	89,333,704	14,323,085	10,681,415	83,091,615	42,952,340	106,691,985	257,740,440	676,477,319	6,823,879,335
Disbursements	164,982,834	152,008,756	159,770,904	231,616,358	175,823,663	884,202,515	159,335,600	108,960,045	152,107,902	109,633,092	530,036,639	69,033,816	221,852,680	318,187,631	223,587,078	317,338,644	1,149,999,849	2,564,239,003	34,061,650	19,720,000	46,550,000	107,400,000	45,745,000	253,476,650	14,570,000	10,600,000	20,170,000	12,604,250	57,944,250	9,850,000	20,115,977	45,090,000	28,000,000	91,090,000	194,145,977	505,566,877	3,069,805,880
Repayments	145,207,736	103,624,065	125,000,836	101,267,616	179,112,117	654,212,370	90,804,199	83,740,049	140,058,176	106,080,917	420,683,341	91,142,099	154,028,551	264,337,533	183,151,170	234,954,611	927,613,964	2,002,509,675	17,546,024	9,335,137	23,909,612	62,415,626	39,893,579	153,099,978	5,372,766	8,416,368	11,264,345	13,681,525	38,735,004	6,630,743	8,308,526	12,234,815	20,362,448	53,186,841	100,723,373	292,558,355	2,295,068,030
Bal c/f	270,884,905	457,112,567	472,128,245	635,827,609	481,380,606	2,317,333,932	484,825,355	416,948,207	340,350,018	286,910,853	1,529,034,433	228,795,800	564,542,845	959,912,264	462,581,198	646,930,872	2,862,762,979	6,709,131,344	47,848,510	37,649,155	78,829,229	159,360,976	106,091,978	429,779,848	34,365,182	20,121,172	27,438,568	26,618,028	108,542,950	17,542,342	22,488,866	115,946,800	50,589,891	144,595,144	351,163,043	889,485,841	7,598,617,185
ANALYSIS
ARREARS AMOUNTS
Period    1 To     30 Days	621,105	330,346	-	92,600	570,495	1,614,546	212,408	570,922	65,000	197,918	1,046,248	327,000	28,450	112,600	207,936	-	675,986	3,336,780	-	29,500	234,000	238,583	713,737	1,215,820	29,500	570,922	-	-	600,422	327,100	-	-	8,000	721,976	1,057,076	2,873,318	6,210,098
Period    31 To     60 Days	317,384	138,950	479,752	550,000	670,080	2,156,166	387,457	185,140	103,500	155,440	831,537	767,879	1,482,450	44,385	206,602	128,398	2,629,714	5,617,417	-	-	366,620	992,670	269,997	1,629,287	-	185,140	14,500	72,750	272,390	584,850	-	-	34,400	-	619,250	2,520,927	8,138,344
Period  61 To    90 Days	320,774	183,670	269,000	578,295	678,760	2,030,499	185,000	629,788	254,300	125,000	1,194,088	860,000	2,226,356	880,527	235,998	-	4,202,881	7,427,468	-	-	109,000	1,000,100	144,997	1,254,097	-	629,788	26,000	-	655,788	-	431,780	-	-	-	431,780	2,341,665	9,769,133
Period  91 To 120 Days	263,866	258,324	-	73,970	1,341,661	1,937,821	1,161,401	28,686	-	72,395	1,262,482	-	2,878,699	91,457	173,236	-	3,143,392	6,343,695	-	-	-	-	138,847	138,847	-	28,686	-	-	28,686	322,700	-	-	207,360	-	530,060	697,593	7,041,288
Period  121 And Above	2,417,109	4,049,515	-	633,075	4,123,013	11,222,712	1,396,204	2,215,126	317,000	-	3,928,330	18,202,743	687,248	10,896,409	14,436,982	14,354,841	58,578,223	73,729,265	-	-	-	100,045	669,756	769,801	58,000	2,215,126	-	-	2,273,126	1,571,820	-	3,276,457	1,665,080	3,019,383	9,532,740	12,575,667	86,304,932
Total	3,940,238	4,960,805	748,752	1,927,940	7,384,009	18,961,744	3,342,470	3,629,662	739,800	550,753	8,262,685	20,157,622	7,303,203	12,025,378	15,260,754	14,483,239	69,230,196	96,454,625	-	29,500	709,620	2,331,398	1,937,334	5,007,852	87,500	3,629,662	40,500	72,750	3,830,412	2,806,470	431,780	3,276,457	1,914,840	3,741,359	12,170,906	21,009,170	117,463,795
Check=0	-	-					-	-	-	-		-	-	-				-									-	-	-	-	-	-	-	-	-	-	-
ARREARS NOS.
Period    1 To     30 Days	87	70	-	29	113	299	39	50	7	46	142	26	6	27	51	16	126	567	-	1	3	13	14	31	1	50	-	-	51	3	-	-	2	13	18	100	667
Period  31 To    60 Days	45	14	16	38	72	185	39	20	24	8	91	10	149	4	33	-	196	472	-	-	30	12	5	47	-	20	1	3	24	8	-	-	-	-	8	79	551
Period  61 To    90 Days	39	12	34	62	48	195	11	18	5	3	37	7	246	18	24	-	295	527	-	-	3	11	-	14	-	18	1	-	19	-	-	-	-	-	-	33	560
Period  91 To 120 Days	33	13	-	24	44	114	20	2	-	2	24	-	287	4	17	-	308	446	-	-	-	-	1	1	-	2	-	-	2	3	-	-	2	-	5	8	454
Period  121 And Above	109	167	-	48	229	553	72	97	6	-	175	825	76	281	515	586	2,283	3,011	-	-	-	1	10	11	1	97	-	-	98	10	-	34	14	26	84	193	3,204
Total	313	276	50	201	506	1,346	181	187	42	59	469	868	764	334	640	602	3,208	5,023	-	1	36	37	30	104	2	187	2	3	194	24	-	34	18	39	115	413	5,436
CLIENTS AND LOAN STATISTICS
No of members beg of Year	14,363	16,687	12,534	12,036	15,481	71,101	13,711	10,907	19,559	11,313	55,490	11,338	19,389	27,588	14,853	25,061	98,229	224,820	321	158	406	733	460	2,078	142	106	107	129	484	107	169	544	204	740	1,764	4,326	229,146
No of new members year todate	5,797	2,832	2,205	4,089	2,258	17,181	2,231	2,385	4,017	2,051	10,684	1,786	4,466	4,262	3,489	4,879	18,882	46,747	123	74	117	273	100	687	53	32	85	43	213	35	98	160	66	312	671	1,571	48,318
No of drop outs year todate	983	856	1,730	635	474	4,678	394	-		487	881	150	714	938	301	369	2,472	8,031	4	6	8	-	-	-	14	-	-	17	6	-	-	2	-	2	11	17	8,048
No of  members year todate	19,177	18,663	13,009	15,490	17,265	83,604	15,548	13,292	23,576	12,877	65,293	12,974	23,141	30,912	18,041	29,571	114,639	263,536	440	226	515	1,006	560	2,747	181	138	192	155	666	142	267	702	270	1,050	2,424	5,880	269,416
Active members	18,316	17,185	11,080	15,490	16,425	78,496	13,056	13,040	18,850	12,460	57,406	10,225	23,141	28,009	14,134	29,571	105,080	240,982	437	224	515	1,005	544	2,725	181	138	131	153	603	122	268	675	247	1,050	2,362	5,690	246,672
Inactive members	861	1,478	1,929	-	840	5,108	2,492	252	4,726	417	7,887	2,749	-	2,903	3,907	-	9,559	22,554	3	2	-	1	16	22	-	-	61	2	63	20	(1)	27	23	-	62	190	22,744
diff	-	-					-	-	-	-		-	-	-													-		-	-	-	-	-	-	-		-
No of outstanding loans beg of yr	13,014	10,370	11,135	11,288	13,973	59,780	-	18,256	16,653	11,347	46,256	9,822	16,770	27,230	12,280	46,210	112,312	218,348	294	155	406	733	487	2,075	83	86	74	88	331	112	170	505	204	939	1,930	4,336	222,684
No of new loans	5,317	3,874	3,305	4,053	3,923	20,472	3,682	2,353	5,539	2,982	14,556	2,218	5,494	9,734	5,196	8,141	30,783	65,811	113	67	131	429	120	860	43	23	65	45	176	35	83	209	66	322	715	1,751	67,562
No of retired loans(including savings)	2,168	2,339	2,513	2,601	3,675	13,296	-	3,559	1,027	487	5,073	414	552	7,121	5,243	436	13,766	32,135	5	-	30	217	92	344	1	6	5	5	17	25	-	108	-	-	133	494	32,629
No of outstanding loans end of yr	16,163	11,905	11,927	12,740	14,221	66,956	3,682	17,050	21,165	13,842	55,739	11,626	21,712	29,843	12,233	53,915	129,329	252,024	431	222	507	945	515	2,620	125	103	134	128	490	122	253	606	270	1,261	2,512	5,622	257,617
Outstanding Loans _Active	16,054	11,738	11,927	12,738	13,992	66,449	3,610	16,953	21,160	13,842	55,565	11,626	21,636	29,843	11,718	53,915	128,738	250,752	431	188	220	220	505	1,564	125	103	134	128	932	113	253	606	241	1,261	266	2,762	253,514
Outstanding Loans _Inactive	109	167	-	48	229	553	72	97	5	-	174	-	76	281	515	-	872	1,599	-	-	-	1	10	11	1	-	-	-	17	9	-	-	13	-	-	28	4,103
Diff	-	-					-		-			-	-																	-	-	-	16	-			-
Savings Balance	159,827,001	188,373,638	115,732,563	245,698,819	235,230,898	944,862,918	430,636,663	425,103,862	163,019,933	143,458,811	1,162,219,269	95,072,101	145,444,985	278,837,873	187,645,890	221,465,033	928,465,882	3,035,548,069	9,570,800	6,060,511	10,640,047	31,462,901	20,460,997	78,195,256	6,370,246	5,412,417	3,662,173	4,327,800	19,772,636	325,487	4,423,171	17,305,817	8,691,962	22,879,967	53,626,404	151,594,297	3,187,142,366
savings to o/s loans	58%	41%	24%	39%	48%	40%	88%	101%	48%	50%	76%	38%	25%	29%	39%	33%	32%	45%	20%	16%	13%	19%	19%	18%	18%	23%	13%	16%	18%	2%	19%	15%	17%	15%	15%	17%	41%
Annualized Repayments
January 09 to Mar 09	141,267,498	98,663,260	124,252,084	99,339,676	171,728,108	635,250,626	87,461,729	80,110,387	139,318,376	105,530,164	412,420,656	70,984,477	146,725,348	252,312,155	167,890,416	220,471,372	858,383,768	1,906,055,050	17,546,024	9,305,637	23,199,992	60,084,228	37,956,245	148,092,126	5,285,266	4,786,706	11,223,845	13,608,775	34,904,592	3,824,273	7,876,746	8,958,358	18,447,608	49,445,482	88,552,467	271,549,185	2,177,604,235
																		4,226,993,550																		680,637,182	4,907,630,732
Total	141,267,498	98,663,260	124,252,084	99,339,676	171,728,108	635,250,626	87,461,729	80,110,387	139,318,376	105,530,164	412,420,656	70,984,477	146,725,348	252,312,155	167,890,416	220,471,372	858,383,768	6,133,048,600	17,546,024	9,305,637	23,199,992	60,084,228	37,956,245	148,092,126	5,285,266	4,786,706	11,223,845	13,608,775	34,904,592	3,824,273	7,876,746	8,958,358	18,447,608	49,445,482	88,552,467	952,186,367	7,085,234,967
Annualized  repayment rate	97.2%	95.0%	99.4%	98.1%	95.7%	97.0%	96.2%	95.5%	99.5%	99.5%	98.0%	71.6%	95.0%	95.2%	90.9%	93.4%	91.9%	98.4%	100.0%	99.7%	96.9%	96.1%	94.9%	96.6%	98.3%	24.2%	99.6%	99.5%	89.0%	26.6%	94.5%	63.4%	89.6%	92.4%	86.3%	97.8%	98.3%
PORTFOLIO AT RISK AGEING:
Portfolio At Risk Low:						-											-												-
Period    1 To     30 Days	4,547,327	732,800	-	864,260	2,064,116	8,208,503	3,000,000	-	65,000	197,918	3,262,918	1,488,627	72,047	334,098	135,150	185,086	2,215,008	13,686,429	-	24,500	499,730	522,625	4,215,828	5,262,683	35,342	35,342	-	-	70,684	2,346,124	-	-	211,110	1,320,000	3,877,234	9,210,601	22,897,030
Period  31 To    60 Days	2,168,300	280,550	1,783,880	543,600	1,353,638	6,129,968	488,937	350,350	83,000	155,440	1,077,727	2,160,825	1,714,795	137,985	560,071	-	4,573,676	11,781,371	-	-	511,960	1,366,605	700,000	2,578,565	77,900	77,900	14,500	72,750	243,050	4,356,745	-	-	99,999	-	4,456,744	7,278,359	19,059,730
Sub total	6,715,627	1,013,350	1,783,880	1,407,860	3,417,754	14,338,471	3,488,937	350,350	148,000	353,358	4,340,645	3,649,452	1,786,842	472,083	695,221	185,086	6,788,684	25,467,800	-	24,500	1,011,690	1,889,230	4,915,828	7,841,248	113,242	113,242	14,500	72,750	313,734	6,702,869	-	-	311,109	1,320,000	8,333,978	16,488,960	41,956,760
Portfolio At Risk High:
Period  61 To    90 Days	1,078,260	288,530	448,516	860,275	694,925	484,688	484,688	484,688	254,300	125,000	1,348,676	5,326,963	3,425,750	1,475,588	188,798	-	10,417,099	12,250,463	-	-	167,543	1,300,130	-	1,467,673	-	-	26,000	-	26,000	3,225,590	-	-	-	-	3,225,590	4,719,263	16,969,726
Period  91 To 120 Days	826,660	451,000	-	84,000	1,346,642	64,800	64,800	64,800	-	72,395	201,995	28,507,029	4,079,955	318,453	138,590	-	33,044,027	33,310,822	-	-	-	-	-	-	-	-	-	-	-	1,022,146	-	-	711,109	-	1,733,255	1,733,255	35,044,077
Period  121 And Above	3,577,767	4,744,565	-	653,078	4,374,064	-	1,443,014	1,443,014	317,000	-	3,203,028	15,262,263	791,324	20,859,823	12,848,724	19,057,024	68,819,158	72,022,186	-	-	-	100,045	810,983	911,028	-	-	-	-	-	434,876	-	7,801,120	1,227,744	-	9,463,740	10,374,768	82,396,954
Sub total	5,482,687	5,484,095	448,516	1,597,353	6,415,631	549,488	1,992,502	1,992,502	571,300	197,395	4,753,699	49,096,255	8,297,029	22,653,864	13,176,112	19,057,024	112,280,284	117,583,471	-	-	167,543	1,400,175	810,983	2,378,701	-	-	26,000	-	26,000	4,682,612	-	7,801,120	1,938,853	-	14,422,585	16,827,286	134,410,757
Grand total	12,198,314	6,497,445	2,232,396	3,005,213	9,833,385	14,887,959	5,481,439	2,342,852	719,300	550,753	9,094,344	52,745,707	10,083,871	23,125,947	13,871,333	19,242,110	119,068,968	143,051,271									40,500	72,750	339,734	11,385,481	-	7,801,120	2,249,962	1,320,000	22,756,563	33,316,246	176,367,517