Loan Conditions

Loan Amount

Currency	GHS
Minimum loan size	GHS 50
Maximum loan size	2,000

Distribution at Disbursement (Est.)

Loans less than GHS 1,000	70%
GHS 1,000-5,000	30%
GHS 5,000-7,500	0
GHS 7,500-10,000	0
GHS 10,000-13,000	0
Greater than GHS 13,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	6.0 months
Approx average	4.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	100%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	0.2 months

Repayment Frequency

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

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Commitment Fee
% of loan amount - min	0.75%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Fee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?	No

Ongoing Fees

	Fee 1
Description	Group Fee
% of loan amount - min	0.75%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Fee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?	No

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

	Ins 1
Description	Insurance 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?	No

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	No

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.00%
Maximum interest rate paid	3.00%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?

No

Additional Comments

In the case of first-cycle loans, savings are accumulated over a start-up training period of 6 weeks, then deposited before receiving a loan. For multiple-cycle loans, savings is accumulated throughout the loan term of the previous cycle, then deposited before receiving a loan.

M-Hope Price Graphs

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	136
AMPL	0	0	0	136
Arman	41,500	529,107,000	1	136
Arohan	43,500	8,091,000	2	136
ASA INDIA	164,000	15,380,000	1	136
Asirvad	113,500	19,328,000	1	136
Asmitha	1,114,800	217,867,000	1	136
Bandhan	4,048,600	674,564,000	5	136
Belstar	123,000	23,945,000	2	115
BSFL	275,200	31,590,000	3	136
Chaitanya	20,700	3,748,000	3	136
Disha Microfin	69,000	14,332,000	2	136
Equitas	1,220,000	186,415,000	4	136
ESAF	354,200	43,500,000	5	136
FFSL	150,600	35,719,000	2	136
Fusion	66,800	9,820,000	2	136
Grama Vidiyal	738,200	102,101,000	1	136
Grameen Koota	586,600	83,555,000	15	138
Janalakshmi	506,000	119,077,000	2	136
L & T Finance	399,800	37,199,000	1	136
MFL	331,800	49,083,000	1	136
MMFL	175,000	23,752,000	2	136
Mpower	13,600	2,263,000	2	136
Sahayata	0	0	0	136
Saija	24,700	4,682,000	2	136
Samasta	45,500	4,809,000	2	136
Satin	405,600	90,174,000	2	136
SCCI	115,600	15,910,000	2	136
Share	2,195,400	376,727,000	1	136
SKS	3,409,000	355,029,000	2	136
SMILE	360,200	56,927,000	1	136
SNFL	9,400	1,779,000	1	136
Sonata Finance	158,200	22,724,000	3	138
Spandana	533,400	147,240,000	2	136
Suryoday	78,600	14,713,000	3	136
SVCL	118,200	18,886,000	1	136
Swadhaar	92,800	17,166,000	3	136
Trident	68,700	8,852,000	1	136
Ujjivan	913,300	160,848,000	5	136
Utkarsh	168,600	25,915,000	3	136
VFS	175,400	19,264,000	2	136
Asomi	50,300	4,743,000	2	169
AES India	3,600	286,000	1	169
Arth	2,900	611,000	2	169
Asomi	50,300	4,743,000	2	169
Barasat GS	1,100	99,508.02	1	169
BJS	6,000	468,000	1	169
Cashpor	417,000	50,452,000	1	168
Credible	10,000	1,669,540.36	2	169
DIBAKAR	1,800	145,000	1	168
GOF	65,200	5,388,000	4	168
Hope	62,600	4,407,000	1	166
Jaago	2,700	237,000	1	167
LOK	4,900	573,000	1	168
Nano	25,600	3,660,000	2	169
NBSAAVS	28,100	2,821,000	1	166
Nirantara	8,200	917,000	2	168
Parama	7,100	482,000	1	168
Pragathi	26,200	4,579,000	6	168
PWMACS	36,500	5,946,000	1	168
Saadhana	90,900	12,046,000	2	168
Sambhav	1,500	183,000	3	168
Seba Rahara	6,700	468,000	1	168
SU	61,100	5,498,000	1	168
Swayanshree	7,900	918,000	2	168
Vikas Samiti	1,600	168,000	1	168
Vistaar	4,300	1,157,000	2	166
We The People	1,100	244,000	2	168
WEMCS	1,100	85,000	1	168
Yukti	1,100	99,000	2	168