| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asomi.co.in/ |
| Year established | 2008 |
| Head of Institution | Subhrajyoti Bharali |
| Regions active | |
| # Branches | 50 |
| Total Portfolio (nat'l) | INR 251,500,000 |
| Total Portfolio (USD) | USD 4,745,283.02 |
| Active clients with loans | 50,326 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1995 |
| Head of Institution | Marilyn Operio |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 9,202,747 |
| Total Portfolio (USD) | USD 220,161.41 |
| Active clients with loans | 925 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders | Oikocredit |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | INR 25,000 - 50,000 | 10 - 12 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
| SHG Loan | INR 5,000 - 25,000 | 12 | 60% - 80% | 0% - 20% | Business | Women | Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | PHP 1,000 - 60,000 | 1 - 12 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Has no history of loan delinquency | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Social Services, Spiritual formation (Bible study), Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | 24.0%-36.0% annual, Flat | 2 Fees | 2 Ins | None | 2.0% upfront 100.00 ongoing | 48.1% - 95.4% | 88.9% - 175.8% | 21 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | 24.0%-36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 2.0% upfront 100.00 ongoing | 48.1% - 95.4% | 88.9% - 175.8% | 21 |
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