| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.asaindia.in |
| Year established | 2008 |
| Head of Institution | Md Tajul Islam |
| Regions active | Assam, Bihar, Tripura, West Bengal |
| # Branches | 162 |
| Total Portfolio (nat'l) | INR 815,142,477 |
| Total Portfolio (USD) | USD 15,380,046.74 |
| Active clients with loans | 164,004 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Primary cum Secondary Loan | INR 5,000 - 15,000 | 12 - 24 | 100% | 0% - 20% | Business, Agriculture | Women, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Primary cum Secondary Loan | 25.9% | 27.9% | 29.1% | Yes | Yes | Yes | 98 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Primary cum Secondary Loan | 25.3%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.9% | 29.1% | 87 |
| Outstanding portfolio (PKR) | PKR 1,867,751.19 |
| Portfolio (USD) | USD 18,341.32 |
| Active Clients with Loans | 16 |
| Approximate % Female Clients | N/A |
| Approximate % Urban Clients | N/A |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | N/A |
| Regions Active |
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| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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