2. Asmitha
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Lower Pra RB
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asmitha Microfin Limited 1-2-58, Plot No. 1-3N Block, Kakatiya Nagar, HabsigudaHyderabad, Andhra pradesh500 007
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 161 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.asmithamicrofin.com/
Year established2001
Head of InstitutionDr. Vidya Sravanthi
Regions active0
# Branches574

Total Portfolio (nat'l)INR 14,185,327,160
Total Portfolio (USD)USD 315,229,492.40
Active clients with loans1,340,288
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSa-Dhan, MFIN, Micro Credit Summit, MIX Market

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.lowerpraruralbank.com/
Year established1983
Head of InstitutionIsaac Kwamina Afful
Regions active
# Branches14

Total Portfolio (nat'l)GHS 12,443,472
Total Portfolio (USD)USD 6,316,483.25
Active clients with loans34,056
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB APEX
Funders

Loan Products » Summary

JGL Loan
1,302,518 Borrowers
USD 291,620,079 Portfolio
Active Product
Micro Enterprise Loan
37,770 Borrowers
USD 23,609,414 Portfolio
Active Product

Loan Products » Summary

Micro Loan
13,529 Borrowers
USD 2,093,440.10 Portfolio
Active Product
Salary Loan
17,746 Borrowers
USD 3,895,317.77 Portfolio
Active Product
Susu Loan
2,781 Borrowers
USD 327,725.89 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Joint Laibility Group Loan (JLG Loan) INR 5,000 - 35,000 12 80% - 100% 0% - 20% Business, only for income genarting activities Women, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
Micro Enterprise Loan INR 25,000 - 300,000 6 - 24 80% - 100% 0% - 20% Business, income generating activities Women, Have business, Have home or land Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan GHS 1,000 - 30,000 1 - 12 20% - 40% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Salary Loan GHS 500 - 11,000 1 - 60 40% - 60% 80% - 100% Business Women, Men Credit Ins
Susu Loan GHS 200 - 3,500 1 - 12 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, Tech Asst Visits, Market trends

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
Joint Laibility Group Loan (JLG Loan) 0% 30.1% 32.3% N/A
Micro Enterprise Loan 0% 27.4% - 30% 28.9% - 31.6% 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
Joint Laibility Group Loan (JLG Loan) 23.6%-28.1% annual, Decl Bal 2 Fees 0 Ins None N/A 30.1% 32.3% 73
Micro Enterprise Loan 24.9%-28.1% annual, Decl Bal 2 Fees 0 Ins None N/A 27.4% - 30% 28.9% - 31.6% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22

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
Joint Laibility Group Loan (JLG Loan) 0% 30.1% 32.3% N/A
Micro Enterprise Loan 0% 27.4% - 30% 28.9% - 31.6% 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
Joint Laibility Group Loan (JLG Loan) 23.6%-28.1% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 30.1% 32.3% 73
Micro Enterprise Loan 24.9%-28.1% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 27.4% - 30% 28.9% - 31.6% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeAsmithaInstitutionIN-008-V01-P01IN-008-V01-P02ProductINCountry2010YearRange Number1Institution Data Version010,00020,00030,00040,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 320,000240,000160,00081,0009,000Number 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.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeLower Pra RBInstitutionGH-029-V01-P01GH-029-V01-P02GH-029-V01-P03ProductGHCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 3,5002,6001,70080090Number 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.
Click to view Price Analysis Tool
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Key Statistics
# Samples:
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# Borrowers
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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