2. Arohan
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Arohan Financial Services Ltd. 195/1, Prafulla, Rajdanga Chakraborty Para,Kasba,Kolkata, West Bengal700107
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.arohan.in/
Year established1991
Head of InstitutionShubhankar Sengupta
Regions active0
# Branches86

Total Portfolio (nat'l)INR 977,953,655
Total Portfolio (USD)USD 21,732,303.44
Active clients with loans187,754
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan

Loan Products » Summary

Bazar
13,262 Borrowers
USD 1,978,910 Portfolio
Active Product
Saral Product - Bihar
10,357 Borrowers
USD 1,299,961 Portfolio
Active Product
Saral Product- WB
164,135 Borrowers
USD 18,453,432 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bazar Loan INR 6,000 - 18,000 10.5 0% - 20% 80% - 100% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Saral Product - Bihar INR 5,000 - 17,000 13.3 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
Saral Product- WB INR 5,000 - 17,500 13.3 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

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
Bazar Loan 0% 35.1% - 36.2% 37% N/A
Saral Product - Bihar 0% 29.4% - 30.6% 31.9% N/A
Saral Product- WB 0% 25.5% - 27% 28% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bazar Loan 27.3% annual, Decl Bal 2 Fees 0 Ins None N/A 35.1% - 36.2% 37% 74
Saral Product - Bihar 24.1% annual, Decl Bal 1 Fee 0 Ins None N/A 29.4% - 30.6% 31.9% 76
Saral Product- WB 24.1% annual, Decl Bal 2 Fees 0 Ins None N/A 25.5% - 27% 28% 86
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyLoan PurposeArohanInstitutionIN-005-V01-P01IN-005-V01-P02IN-005-V01-P03ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 49,00036,00024,00012,0001,300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. SAT
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, Near Capital Radio, KumasiPostal Office Box 4911, KumasiKUMASSI, ASHANTI REGION233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Product

Solidarity Product 4 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 11,000,000
Portfolio (USD)USD 7,333,333
Active Clients with Loans45,900
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
An organized group lending of 5 to 8 economically disadvataged but active individuals to enable them grow and develop their businesses. Its easy, convenient and reliable.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherHealth Education
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 1,000
Maximum loan size4,000
Loan Term and Grace Period
Shortest loan term0.5 months
Longest loan term10.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest39.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeTraining Fee
% of loan amount - min2.00%0
% of loan amount - max3.50%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variation
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionClient's Welfare Scheme
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid8.00%
Maximum interest rate paid8.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Solidarity samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 1,000GHS 1,000GHS 2,000GHS 2,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-12-172012-12-172013-03-222013-03-22
Loan Term (Months)5.0 months5.0 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component84.4%84.4%88.2%88.6%
Insurance Component3.4%3.4%3.6%3.6%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component15.0%15.0%16.9%17.0%
Full APR (int fee ins tax dep)102.8%102.8%108.8%109.2%
Transparency Index21212020
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Solidarity Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeSATInstitutionGH-041-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 22,00017,00011,0005,700600Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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