Outstanding portfolio (INR) | INR 7,701,610 |
Portfolio (USD) | USD 145,313.40 |
Active Clients with Loans | 1,888 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | INR |
Minimum loan size | INR 1,000 |
Maximum loan size | 50,000 |
Shortest loan term | 6.0 months |
Longest loan term | 10.7 months |
Approx average | 10.7 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 15.00% |
Highest quoted nominal interest | 15.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | LPF & Insurance Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? |
% loan amount deposited | 5.00% - N/A |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | INR 50 - N/A |
Conditions on access to deposit | Final Pmt |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | INR 5,000 | INR 10,000 | INR 20,000 | INR 22,000 | INR 50,000 | ||||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-07-28 | 2010-05-29 | 2010-07-19 | 2010-03-29 | 2010-04-29 | ||||
Loan Term (Months) | 10.7 months | 10.7 months | 10.7 months | 10.7 months | 10.7 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 34.2% | 34.2% | 34.6% | 33.8% | 34.4% | ||||
Insurance Component | 2.4% | 2.4% | 2.4% | 2.4% | 2.4% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 11.4% | 7.2% | 5.5% | 7.6% | 5.4% | ||||
Full APR (int fee ins tax dep) | 48.0% | 43.8% | 42.5% | 43.7% | 42.2% | ||||
MFIN MFI Earning (Annualised) | 34.2% | 34.2% | 34.6% | 33.8% | 34.4% | ||||
MFIN Cost to Borrower (Annualised) | 48.0% | 43.8% | 42.5% | 43.7% | 42.2% | ||||
Transparency Index | 31 | 34 | 35 | 34 | 36 | ||||
MFIN Transparency Index | N/A | N/A | N/A | N/A | N/A | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
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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# Products | |
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# 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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