| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.cranmicrofinance.org |
| Year established | 1993 |
| Head of Institution | Dr. Patrick Agbesingale |
| Regions active | Central Region, Western Region, Volta Region |
| # Branches | 5 |
| Total Portfolio (nat'l) | GHS 2,008,192 |
| Total Portfolio (USD) | USD 1,019,386.80 |
| Active clients with loans | 3,613 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, GAMC |
| Funders | CORDAID, TERA JANE, KIVA |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.adhikarindia.in |
| Year established | 1998 |
| Head of Institution | Mr. Mohammad Nooruddin Amin |
| Regions active | Gujarat, Orissa |
| # Branches | 45 |
| Total Portfolio (nat'l) | INR 141,753,084 |
| Total Portfolio (USD) | USD 2,674,586.49 |
| Active clients with loans | 35,358 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Sa-Dhan, MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | GHS 200 - 3,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Savings promotion | |||||||
| Individual Loan | GHS 200 - 10,000 | 6 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Savings promotion |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | INR 7,000 - 15,000 | 12 | 100% | 20% - 40% | Business | Women, Specific age group, Low HH Inc, Med HH Inc | Group Mtgs, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26% | 28% | 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28% | 29.3% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26% | 28% | 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28% | 29.3% | 89 |
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