Maata-N-Tudu Association - MFTransparency.org Truth In Lending Tables

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

Maata-N-Tudu Association Head OfficeTamale, NorthernP.O. Box 1015

Data approved: 2013-02-13

Data version: 2

Age of data: 141 months

Download Data

Analyze Data

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.maata-n-tudu.org/
Year established	1993
Head of Institution	Konlan Lambongang
Regions active	Northern Region, Upper East Region, Upper West Region
# Branches	3

Total Portfolio (nat'l)	GHS 1,855,661
Total Portfolio (USD)	USD 941,959.90
Active clients with loans	12,035
Approximate % female clients	80% - 100%
Approximate % urban clients	60% - 80%
Network affiliations	GHAMFIN, ASSFIN
Funders	CORDAID, UNDP, Grameen Foundation, Planet Finance

Loan Products » Summary

Agro

2,620 Borrowers

USD 299,238.58 Portfolio

Active Product

Grain

5,687 Borrowers

USD 299,756.35 Portfolio

Active Product

Trading

3,728 Borrowers

USD 276,140.10 Portfolio

Active Product

Individual

27 Borrowers

USD 66,824.87 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agro Processing Loan	GHS 50 - 1,000	9	80% - 100%	0% - 20%	Business	Women, Have business	Credit Educ, Group Mtgs, Credit Ins
Grain Banking Loan	GHS 50 - 1,000	9	80% - 100%	0% - 20%	Business	Women	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Trading Loan	GHS 50 - 1,000	6	80% - 100%	40% - 60%	Business	Women, Have business	Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agro Processing Loan	36.00% annual, Flat	1 Fee	None	20.00% upfront	45.2% - 46%	59.3% - 60.5%	60
Grain Banking Loan	38.04% annual, Flat	1 Fee	None	20.00% upfront	38.2% - 38.7%	47.5% - 48.1%	79
Trading Loan	36.00% annual, Flat	1 Fee	None	20.00% upfront	51.9% - 56.3%	71% - 77.1%	49

Institution Price Graph

Click to view Price Analysis Tool

Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Growing Opportunity Finance (India) Pvt. Ltd. No.12, Ramasamy Street, I FloorT. NagarChennai, Tamil Nadu600017

Data approved: 2011-01-01

Data version: 1

Age of data: 172 months

Download Data

Analyze Data

Product

Livestock Loan Product 1 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (INR)	INR 2,000,000
Portfolio (USD)	USD 37,735.85
Active Clients with Loans	1,205
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group	x
Other

Description

Designed for the purchase of cattle.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	Only for purchase of farm animals
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance
Workplace visits
Business training
Other training	x
Other	Training from veterinarian
Other (2)	Health / Social Issue Training
No other services

Eligibility

Men
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 12,000
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.00%
Highest quoted nominal interest	1.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/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 for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Livestock Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	INR 15,000	INR 17,000	INR 18,000
Loan Cycle (1, 2, 3, etc)	1	1	1
Disbursement Date	2010-05-20	2010-05-28	2010-04-19
Loan Term (Months)	12.1 months	12.1 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	25.7%	25.7%	25.5%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	25.7%	25.7%	25.5%
MFIN MFI Earning (Annualised)	25.7%	25.7%	25.5%
MFIN Cost to Borrower (Annualised)	25.7%	25.7%	25.5%
Transparency Index	47	47	47
MFIN Transparency Index	N/A	N/A	N/A

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

* The APR stated here is an MFTransparency term, definition and formula

Livestock Loan Price Graphs

Click to view Price Analysis Tool

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Livestock Loan samples

Livestock Loan Price Graphs

Total Borrowers of Samples

Learn More

MFTransparency News

Explore Resources