2. East Mamprusi
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Pragathi
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 139 months
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Institution

Pragathi MAC Credit & Marketing Federation Ltd. #2-6-45/2, Sri Shanthi Nagar Colony, Road No. 2Circuit House Road, HanamkondaWarangal, Andhra Pradesh506001
Data approved: 2010-11-15
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionMr James Acquaye
Regions activeNorthern Region
# Branches3

Total Portfolio (nat'l)GHS 4,468,812
Total Portfolio (USD)USD 2,268,432.49
Active clients with loans13,801
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsUNDP, TRIAS GHANA, SPEED GHANA, Oxfam
FundersTRAIS, UNDP, SPEED, NORTHFIN

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionSri G. John
Regions active
# Branches38

Total Portfolio (nat'l)INR 242,718,712
Total Portfolio (USD)USD 4,579,598.34
Active clients with loans23,289
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

CWE
6,836 Borrowers
USD 641,624.37 Portfolio
Active Product
Salary
5,600 Borrowers
USD 1,067,660.91 Portfolio
Active Product
Business
640 Borrowers
USD 327,512.69 Portfolio
Low Volume Product
Farming
725 Borrowers
USD 231,634.52 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 » Summary

Agriculture
3,005 Borrowers
USD 523,382.68 Portfolio
Active Product
Crop
8,014 Borrowers
USD 1,395,687.11 Portfolio
Active Product
Education
1,002 Borrowers
USD 174,460.89 Portfolio
Active Product
Group
501 Borrowers
USD 87,230.43 Portfolio
Active Product
Housing
2,004 Borrowers
USD 348,921.77 Portfolio
Active Product
Micro
11,771 Borrowers
USD 2,049,915.45 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credit With Education (CWE) Loan GHS 200 - 1,000 6 - 8 80% - 100% 0% - 20% Business Women, Have business, Specific age group, Must be 18 years of age., Must have residence in the community near relevant branch. Credit Ins
Salary Loan GHS 500 - 15,000 6 - 36 40% - 60% 0% - 20% Consumer, Education Women, Men, Salaried worker Credit Ins, Overdraft

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture and Allied Business Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Crop Loan INR 3,000 - 25,000 6 - 15 80% - 100% 0% - 20% Business, Other Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Education Loan INR 3,000 - 20,000 12 - 20 60% - 80% 0% - 20% Education Women, Have home or land, Salaried worker Group Mtgs, Credit Ins, Other Training
Group Loan INR 10,000 - 30,000 12 - 20 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Other Training, Livelihood and Social Awareness programs
Housing Loan INR 10,000 - 50,000 15 - 30 60% - 80% 0% - 20% Housing Women, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Micro Enterprise Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Other Training, Social Awareness programs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62

Loan Products » MFIN India Additional Information

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
Agriculture and Allied Business Loan 0% 25.6% 32.7% - 36.1% N/A
Crop Loan 0% 21.5% - 21.6% 26.6% - 28.7% N/A
Education Loan 0% 25.6% - 25.7% 33.8% - 36.2% N/A
Group Loan 0% 25.6% - 25.7% 32.7% - 33.8% N/A
Housing Loan 0% 25.6% - 25.7% 33.2% - 36.1% N/A
Micro Enterprise Loan 0% 25.6% - 25.7% 32.7% - 35.9% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture and Allied Business Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% 32.7% - 36.1% 37
Crop Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 21.5% - 21.6% 26.6% - 28.7% 45
Education Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.8% - 36.2% 36
Group Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 33.8% 37
Housing Loan 9.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.2% - 36.1% 26
Micro Enterprise Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 35.9% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62

Loan Products » MFIN India Additional Information

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
Agriculture and Allied Business Loan 0% 25.6% 32.7% - 36.1% N/A
Crop Loan 0% 21.5% - 21.6% 26.6% - 28.7% N/A
Education Loan 0% 25.6% - 25.7% 33.8% - 36.2% N/A
Group Loan 0% 25.6% - 25.7% 32.7% - 33.8% N/A
Housing Loan 0% 25.6% - 25.7% 33.2% - 36.1% N/A
Micro Enterprise Loan 0% 25.6% - 25.7% 32.7% - 35.9% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture and Allied Business Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing 25.6% 32.7% - 36.1% 37
Crop Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing 21.5% - 21.6% 26.6% - 28.7% 45
Education Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.8% - 36.2% 36
Group Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 33.8% 37
Housing Loan 9.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.2% - 36.1% 26
Micro Enterprise Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 35.9% 37
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% Products with one or more insurances
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