2. KRB
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kumanwuman Rural Bank Limited Head OfficeKumawuKumasi, AshantiP.O. Box 33
Data approved: 2013-03-05
Data version: 2
Age of data: 141 months
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Product

Commercial Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 4,857,253
Portfolio (USD)USD 2,465,610.66
Active Clients with Loans1,412
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Designed for individuals for business start-up and expansion.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveAshanti Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size90,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00030%
GHS 1,000-5,0000
GHS 5,000-7,50020%
GHS 7,500-10,00020%
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months50%
Between 10 and 12 months30%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited30.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Commercial Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 700GHS 1,500GHS 3,000GHS 5,000GHS 10,000GHS 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-152012-09-042013-01-162013-03-072013-02-262013-03-22
Loan Term (Months)10.0 months6.0 months6.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months-0.2 months0.0 months0.0 months
Total Cost of CreditGHS 184.40GHS 255GHS 510GHS 1,550.04GHS 3,100.08GHS 4,650
True Price by Comp           
Interest price component47.4%45.7%45.9%49.2%47.1%46.9%
Fee Component7.1%10.8%10.9%6.3%6.0%6.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component47.3%48.8%49.6%48.2%44.8%44.1%
Full APR (int fee ins tax dep)101.8%105.3%106.4%103.7%97.9%97.1%
Transparency Index282726272929
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Commercial Loan Price Graphs


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  2. Hope
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

HOPE FOUNDATION Sree Sakthi Complex,Coimbtore Road, KalmandapamPalakkad, Kerala678001
Data approved: 2011-01-06
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.hopefoundationindia.net/
Year established2005
Head of InstitutionMr. Raju Kuriachen
Regions active
# Branches42

Total Portfolio (nat'l)INR 233,623,428
Total Portfolio (USD)USD 4,407,989.21
Active clients with loans62,669
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

IGL
62,669 Borrowers
USD 4,407,989.21 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Income Generation Loan INR 3,000 - 20,000 12 80% - 100% 0% - 20% Business Women, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Credit Ins

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
Income Generation Loan 0 31.1% 33.4% N/A
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Income Generation Loan 12.0% annual, Flat 1 Fee 1 Ins None N/A 31.1% 33.4% 36
Institution Price Graph
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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