| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.microfinplusghana.org/ |
| Year established | 2007 |
| Head of Institution | Ishmael.k.otchere |
| Regions active | Central Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 495,574.03 |
| Total Portfolio (USD) | USD 259,462.84 |
| Active clients with loans | 1,110 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | GHAMFIN |
| Funders | Plan Ghana, Barclays |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.ltfinance.com/ |
| Year established | 1994 |
| Head of Institution | Dinanath Dubhashi |
| Regions active | Andhra Pradesh, Gujarat, Karnataka, Maharashtra, Orissa, Tamil Nadu, West Bengal |
| # Branches | 74 |
| Total Portfolio (nat'l) | INR 1,971,550,546 |
| Total Portfolio (USD) | USD 37,199,066.91 |
| Active clients with loans | 399,880 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | GHS 50 - 2,000 | 3 - 6 | 80% - 100% | 0% - 20% | Business, Consumer | Women, Men, Maximum amount of men permitted in group - 20%. | Credit Educ, Other Training, Malaria prevention training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | INR 5,000 - 15,000 | 12 | 100% | 0% - 20% | Business | Women, Have business, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | 45.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 86.4% - 91.3% | 124.3% - 133.3% | 35 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 21.9% - 23.7% | 23.7% - 25.5% | 24% - 25.7% | Yes | Yes | NA | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 22.0% annual, Decl Bal | 1 Fee | 0 | 12.36% fees | N/A | 23.7% - 25.5% | 24% - 25.7% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | 45.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 86.4% - 91.3% | 124.3% - 133.3% | 35 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 21.9% - 23.7% | 23.7% - 25.5% | 24% - 25.7% | Yes | Yes | NA | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 22.0% annual, Decl Bal | 1 Fee | 0 | 12.36% fees | N/A | 23.7% - 25.5% | 24% - 25.7% | 90 |
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