| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1997 |
| Head of Institution | Mr James Acquaye |
| Regions active | Northern Region |
| # Branches | 3 |
| Total Portfolio (nat'l) | GHS 4,468,812 |
| Total Portfolio (USD) | USD 2,268,432.49 |
| Active clients with loans | 13,801 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | UNDP, TRIAS GHANA, SPEED GHANA, Oxfam |
| Funders | TRAIS, UNDP, SPEED, NORTHFIN |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.tridentmicrofin.com/ |
| Year established | 2007 |
| Head of Institution | Kishore Kumar Puli |
| Regions active | Andhra Pradesh, Madhya Pradesh, Maharashtra |
| # Branches | 60 |
| Total Portfolio (nat'l) | INR 1,259,220,808 |
| Total Portfolio (USD) | USD 23,758,883.17 |
| Active clients with loans | 223,275 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MFIN, SA-Dhan |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan for Women Weekly | INR 6,000 - 14,000 | 12 | 80% - 100% | 40% - 60% | Business, Housing, Consumer, Education, Other | Women | Credit Educ, Group Mtgs, Credit Ins, Business Training |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan for Women Weekly | 25.7% - 26% | 28.1% - 29.8% | 30.6% - 34.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan for Women Weekly | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28.1% - 29.8% | 30.6% - 34.5% | 81 |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan for Women Weekly | 25.7% - 26% | 28.1% - 29.8% | 30.6% - 34.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan for Women Weekly | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28.1% - 29.8% | 30.6% - 34.5% | 81 |
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