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. ARDCI
Please note that the information you are viewing is 162 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

ARDCI NGO Group, Inc. Sta. ElenaVirac, Catanduanes4800
Data approved: 2011-11-16
Data version: 1
Age of data: 162 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 TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ardci.org/
Year established1995
Head of InstitutionVictor T. Bernal
Regions active
# Branches28

Total Portfolio (nat'l)PhP 388,548,183
Total Portfolio (USD)USD 9,295,411.08
Active clients with loans45,967
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
FundersEuropean Union, Department of Agriculture

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
44,667 Borrowers
USD 9,403,105.02 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 Business (MB) PHP 10,000 - 200,000 3 - 12 60% - 80% 20% - 40% Business Women, Men 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
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 Business (MB) 24.0% annual, Flat 0 Fees 2 Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37

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 Business (MB) 24.0% annual, Flat 0 Fees 2 Ins Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37
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.NGOInstitution TypeBusinessLoan PurposeARDCIInstitutionPH-006-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 8,9006,7004,4002,200200Number 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:
# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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