Outstanding portfolio (INR) | INR 1,213,447,806 |
Portfolio (USD) | USD 22,895,241.62 |
Active Clients with Loans | 117,606 |
Approximate % Female Clients | 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | x |
Household income <60,000 INR | x |
Household income <120,000 INR | x |
Must live in rural area | |
Must lives in urban area | |
Other | Must be a Member of an SHG |
Other (2) | Must be in the age group of 18 to 60 years. |
# Regions for this institution | 3 |
# Regions for this product | 4 |
Regions Active | Karnataka, Madhya Pradesh, Tamil Nadu, Puducherry |
Currency | INR |
Minimum loan size | INR 12,000 |
Maximum loan size | 30,000 |
Loans less than INR 5,000 | 0 |
INR 5,000-15,000 | 60% |
INR 15,000-25,000 | 30% |
INR 25,000-35,000 | 10% |
INR 35,000-45,000 | 0 |
Greater than INR 45,000 | 0 |
Shortest loan term | 13.0 months |
Longest loan term | 25.0 months |
Approx average | 19.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 50% |
Longer than 18 months | 50% |
Grace period usage | 100% |
Average grace period | 1.0 month |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 25.00% |
Highest quoted nominal interest | 25.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N / A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 63 |
Fixed amount - max | 236 |
Reason for variation | Insurance Premium varies depending on loan size & term. |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 12.4% |
All or some fees taxed | All |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
MFIN MFI Earning (Annualised) |
MFIN Cost to Borrower (Annualised) |
Transparency Index |
MFIN Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
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---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
|||||||||||||
INR 24,000 | Real | 2014-08-28 | 24.7 months | 0.0 months | INR 7,150.83 | 27.7% | 25.3% | 1.1% | 1.0% | 0.3% | 0.0% | 26.4% | 27.7% | 88 | 99 | ||
INR 24,000 | Generated | 2015-03-01 | 24.0 months | N/A | INR 7,474.28 | 27.0% | 24.7% | 1.0% | 1.0% | 0.3% | 0.0% | 25.7% | 27.0% | 93 | 100 | - | |
INR 15,000 | Real | 2014-08-28 | 15.8 months | 0.9 months | INR 2,995.33 | 29.0% | 26.4% | 1.6% | 0.7% | 0.3% | 0.0% | 28.0% | 29.0% | 84 | 95 | ||
INR 15,000 | Generated | 2015-03-01 | 15.0 months | N/A | INR 2,993.18 | 27.1% | 24.7% | 1.5% | 0.6% | 0.3% | 0.0% | 26.2% | 27.1% | 92 | 100 | - | |
INR 12,000 | Generated | 2015-03-01 | 16.0 months | N/A | INR 2,545.87 | 27.2% | 24.7% | 1.4% | 0.8% | 0.3% | 0.0% | 26.1% | 27.2% | 92 | 100 | - | |
INR 12,000 | Generated | 2015-03-01 | 16.0 months | N/A | INR 2,545.87 | 27.2% | 24.7% | 1.4% | 0.8% | 0.3% | 0.0% | 26.1% | 27.2% | 92 | 100 | - | |
INR 15,000 | Generated | 2015-03-01 | 16.0 months | N/A | INR 3,164.65 | 27.0% | 24.7% | 1.4% | 0.6% | 0.3% | 0.0% | 26.1% | 27.0% | 93 | 100 | - | |
INR 24,000 | Generated | 2015-03-01 | 24.9 months | N/A | INR 7,762.07 | 26.9% | 24.7% | 1.0% | 1.0% | 0.2% | 0.0% | 25.7% | 26.9% | 93 | 100 | - | |
INR 30,000 | Generated | 2015-03-01 | 24.9 months | N/A | INR 9,636.30 | 26.7% | 24.7% | 1.0% | 0.8% | 0.2% | 0.0% | 25.7% | 26.7% | 94 | 100 | - | |
INR 30,000 | Generated | 2015-03-01 | 24.9 months | N/A | INR 9,636.30 | 26.7% | 24.7% | 1.0% | 0.8% | 0.2% | 0.0% | 25.7% | 26.7% | 94 | 100 | - |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
AGFS | 200 | 47,000 | 2 | 155 |
Ahantaman RB | 23,800 | 9,896,000 | 4 | 137 |
APED | 13,700 | 1,876,000 | 2 | 137 |
ASA Initiative | 4,400 | 577,000 | 4 | 137 |
ASA-Ghana | 71,600 | 18,385,000 | 2 | 137 |
ASPI | 800 | 88,000 | 6 | 137 |
Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 137 |
Baobab | 5,100 | 967,000 | 2 | 137 |
BestFUND | 13,000 | 4,172,000 | 3 | 137 |
Bonzali Rural | 10,400 | 1,691,000 | 4 | 155 |
CashPhase | 83 | 135,000 | 2 | 137 |
CASUD | 1,100 | 524,000 | 1 | 137 |
CEDEF | 500 | 54,000 | 4 | 137 |
CFF | 100 | 13,000 | 1 | 137 |
CRAN | 3,600 | 1,019,000 | 2 | 137 |
DQF | 1,700 | 63,000 | 2 | 137 |
EASL | 9,200 | 11,409,000 | 6 | 137 |
East Mamprusi | 12,500 | 2,268,000 | 4 | 137 |
ELDA | 0 | 0 | 0 | 137 |
EMPRETEC Ghana | 200 | 56,000 | 2 | 137 |
FASL | 13,500 | 14,047,000 | 8 | 137 |
Grameen Ghana | 9,500 | 507,000 | 3 | 137 |
ID-Ghana | 5,600 | 953,000 | 3 | 137 |
Innovative Finance | 2,700 | 354,000 | 3 | 137 |
Kraban Support | 7,700 | 781,000 | 5 | 155 |
KRB | 4,000 | 6,350,000 | 3 | 137 |
Lower Pra RB | 34,000 | 6,316,000 | 3 | 155 |
Maata-N-Tudu | 12,000 | 941,000 | 4 | 137 |
Mail Finance | 300 | 288,000 | 1 | 137 |
Markaz | 0 | 0 | 0 | 137 |
Markaz Al Bishara | 100 | 17,000 | 1 | 137 |
MicrofinPlus Gh | 1,100 | 251,000 | 2 | 137 |
Nwabiagya RB | 4,000 | 2,265,000 | 3 | 137 |
OISL | 62,000 | 27,232,000 | 9 | 137 |
Pro Credit | 0 | 0 | 0 | 137 |
Rich Step | 100 | 101,000 | 1 | 137 |
SAT | 147,600 | 29,359,000 | 4 | 137 |
Sekam Trust | 600 | 137,000 | 2 | 137 |
Simli Pong | 8,900 | 463,000 | 3 | 155 |
SS Ghana | 200 | 35,000 | 1 | 137 |
TCCU | 100 | 32,000 | 3 | 137 |
The Bridge | 400 | 32,000 | 3 | 155 |
Union RB | 3,800 | 2,361,000 | 4 | 137 |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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