2. Disha Microfin
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ASPI
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Disha Microfin Pvt Ltd B-404, NIRMAN COMPLEXOPP. HAVMOR RESTAURANT, NAVRANGPURAAHMEDABAD, GUJARAT380009
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 144 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established1995
Head of InstitutionSAMEER NANAVATI
Regions active0
# Branches10

Total Portfolio (nat'l)INR 100,000,000
Total Portfolio (USD)USD 2,222,222.22
Active clients with loans11,200
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.asp-i.org/asp-i/
Year established2003
Head of InstitutionMoses O.T Owharo
Regions activeGreater Accra Region, Volta Region
# Branches0

Total Portfolio (nat'l)GHS 174,550
Total Portfolio (USD)USD 88,604.06
Active clients with loans845
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
FundersUSAID, UBA, Zenith Bank, Ghana Commercial Bank

Loan Products » Summary

Gati
6,100 Borrowers
USD 1,033,333 Portfolio
Active Product
Pragati
5,100 Borrowers
USD 1,188,889 Portfolio
Active Product

Loan Products » Summary

Agriculture
102 Borrowers
USD 39,187.82 Portfolio
Active Product
Individual
236 Borrowers
USD 2,741.12 Portfolio
Active Product
SME
170 Borrowers
USD 3,730.96 Portfolio
Active Product
Petty Trade
300 Borrowers
USD 36,548.22 Portfolio
Active Product
Car Loan
7 Borrowers
USD 3,553.30 Portfolio
Low Volume Product
Energy Tech
30 Borrowers
USD 2,842.64 Portfolio
Low Volume Product
Compulsory Savings Loan
Retired Product
Susu Savings Loan
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Gati INR 8,000 - 11,000 10.7 80% - 100% 0% - 20% Business, Housing, Consumer, Education Women Credit Educ, Group Mtgs, Other Training
Pragati INR 15,000 - 17,000 10.7 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 400 - 15,000 4 - 24 40% - 60% 0% - 20% Business, Used for agricultural purposes Women, Men, Have business, Must own a farm or animals, fish, etc. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
Individual Loan GHS 100 - 3,000 3 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must provide a guarantor Credit Educ, Tech Asst Visits, Business Training, Health Education
SME Loan GHS 1,500 - 5,000 4 - 8 80% - 100% 60% - 80% Business Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor Credit Educ, Tech Asst Visits, Business Training
Petty Traders Loan (PTL) GHS 50 - 2,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

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
Gati 0% 34% - 34.8% 34% - 34.8% N/A
Pragati 0% 34.2% 34.2% 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
Gati 31.7% annual, Decl Bal 2 Fees 0 Ins None N/A 34% - 34.8% 34% - 34.8% N/A
Pragati 31.7% annual, Decl Bal 1 Fee 0 Ins None N/A 34.2% 34.2% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

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
Gati 0% 34% - 34.8% 34% - 34.8% N/A
Pragati 0% 34.2% 34.2% 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
Gati 31.7% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 34% - 34.8% 34% - 34.8% N/A
Pragati 31.7% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.2% 34.2% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessMultipleLoan PurposeDisha MicrofinInstitutionIN-022-V01-P01IN-022-V01-P02ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 3,0002,2001,50070080Number 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.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeASPIInstitutionGH-003-V02-P01GH-003-V02-P03GH-003-V02-P04GH-003-V02-P08ProductGHCountry2013YearRange Number2Institution Data Version05,00010,00015,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 1009010Number of Borrowers
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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