| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 159 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 141 |
| APED | 13,700 | 1,876,000 | 2 | 141 |
| ASA Initiative | 4,400 | 577,000 | 4 | 141 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 141 |
| ASPI | 800 | 88,000 | 6 | 141 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 141 |
| Baobab | 5,100 | 967,000 | 2 | 141 |
| BestFUND | 13,000 | 4,172,000 | 3 | 141 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 159 |
| CashPhase | 83 | 135,000 | 2 | 141 |
| CASUD | 1,100 | 524,000 | 1 | 141 |
| CEDEF | 500 | 54,000 | 4 | 141 |
| CFF | 100 | 13,000 | 1 | 141 |
| CRAN | 3,600 | 1,019,000 | 2 | 141 |
| DQF | 1,700 | 63,000 | 2 | 141 |
| EASL | 9,200 | 11,409,000 | 6 | 141 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 141 |
| ELDA | 0 | 0 | 0 | 141 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 141 |
| FASL | 13,500 | 14,047,000 | 8 | 141 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 141 |
| ID-Ghana | 5,600 | 953,000 | 3 | 141 |
| Innovative Finance | 2,700 | 354,000 | 3 | 141 |
| Kraban Support | 7,700 | 781,000 | 5 | 159 |
| KRB | 4,000 | 6,350,000 | 3 | 141 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 159 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 141 |
| Mail Finance | 300 | 288,000 | 1 | 141 |
| Markaz | 0 | 0 | 0 | 141 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 141 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 141 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 141 |
| OISL | 62,000 | 27,232,000 | 9 | 141 |
| Pro Credit | 0 | 0 | 0 | 141 |
| Rich Step | 100 | 101,000 | 1 | 141 |
| SAT | 147,600 | 29,359,000 | 4 | 141 |
| Sekam Trust | 600 | 137,000 | 2 | 141 |
| Simli Pong | 8,900 | 463,000 | 3 | 159 |
| SS Ghana | 200 | 35,000 | 1 | 141 |
| TCCU | 100 | 32,000 | 3 | 141 |
| The Bridge | 400 | 32,000 | 3 | 159 |
| Union RB | 3,800 | 2,361,000 | 4 | 141 |
| Outstanding portfolio (INR) | INR 366,443 |
| Portfolio (USD) | USD 6,914.02 |
| Active Clients with Loans | 2,875 |
| Approximate % Female Clients | 100% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | x |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | Jagruthi- Client Education Series |
| Other (2) | Socio-Economic Development Workshop |
| No other services |
| 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 | x |
| Household income <120,000 INR | x |
| Must live in rural area | |
| Must lives in urban area | |
| Other | Member must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans. |
| Other (2) | The member who opts for healthcare services under SNDPAP scheme is eligible for the loan. |
| # Regions for this institution | 3 |
| # Regions for this product | 1 |
| Regions Active | Karnataka |
| Currency | INR |
| Minimum loan size | INR 500 |
| Maximum loan size | 1,000 |
| Loans less than INR 5,000 | 100% |
| INR 5,000-15,000 | 0 |
| INR 15,000-25,000 | 0 |
| INR 25,000-35,000 | 0 |
| INR 35,000-45,000 | 0 |
| Greater than INR 45,000 | 0 |
| Shortest loan term | 2.6 months |
| Longest loan term | 2.8 months |
| Approx average | 2.6 months |
| Loans 3 months or less | 100% |
| Between 4 and 6 months | 0 |
| 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 usage | 100% |
| Average grace period | 0.2 months |
| 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 |
| Lowest quoted nominal interest | 22.00% |
| Highest quoted nominal interest | 22.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Processing Fee |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | Yes |
| Percentage of fees | 12.4% |
| All or some fees taxed | Some |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | INR 500 | INR 800 | INR 500 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-02-07 | 2013-02-07 | 2013-02-07 | ||
| Loan Term (Months) | 2.6 months | 2.6 months | 2.6 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | INR 19.62 | INR 31.99 | INR 19.62 | ||
| True Price by Comp | |||||
| Interest price component | 22.6% | 22.9% | 22.6% | ||
| Fee Component | 8.3% | 8.2% | 8.3% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 1.0% | 1.0% | 1.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 31.9% | 32.1% | 31.9% | ||
| MFIN MFI Earning (Annualised) | 30.9% | 31.1% | 30.9% | ||
| MFIN Cost to Borrower (Annualised) | 31.9% | 32.1% | 31.9% | ||
| Transparency Index | 69 | 69 | 69 | ||
| MFIN Transparency Index | 97 | 96 | 97 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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