2. FFSL
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. SAT
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

Future Financial Servicess Ltd. #17/1, GRA Tower, Ambalipura Main RoadOff. Sarjapur Road, Agara PostBangalore, Karnataka560 103
Data approved: 2012-06-08
Data version: 2
Age of data: -   months 
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Institution

Sinapi Aba Trust 22A Ellis Avenue Nhyiaeso, near Capital RadioKumasi, AshantiP.O. Box 4911
Data approved: 2013-03-13
Data version: 2
Age of data: 144 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.ffslmfi.com/
Year established2007
Head of InstitutionG. Dashratha Reddy
Regions active0
# Branches110

Total Portfolio (nat'l)INR 1,783,129,397
Total Portfolio (USD)USD 39,625,097.71
Active clients with loans205,173
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMFIN, Sa-Dhan

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sinapiaba.com/
Year established1994
Head of InstitutionAnthony Gyasi-Fosu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches48

Total Portfolio (nat'l)GHS 57,838,603
Total Portfolio (USD)USD 29,359,696.95
Active clients with loans148,020
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, GHAMFIN, Mix Market, ASSFIN
FundersBlue Orchard, Symbotics, Kolibre Capital, Tridos

Loan Products » Summary

Daily Loan
2,615 Borrowers
USD 493,644 Portfolio
Active Product
Midterm Loan
20,684 Borrowers
USD 1,927,771 Portfolio
Active Product
Monthly
159,569 Borrowers
USD 32,743,928 Portfolio
Active Product
Weekly Loan
45,604 Borrowers
USD 6,881,170 Portfolio
Active Product

Loan Products » Summary

Individual
4,150 Borrowers
USD 1,078,246.19 Portfolio
Active Product
SME
519 Borrowers
USD 1,896,553.30 Portfolio
Active Product
Solidarity
45,929 Borrowers
USD 11,445,623.86 Portfolio
Active Product
Trust
97,009 Borrowers
USD 14,939,274.11 Portfolio
Active Product
School Loans
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Daily Loan INR 6,000 - 20,000 3.3 - 4.6 0% - 20% 80% - 100% Business Women, Men, Must be the family member of weekly borrower, Age between 18 to 55 Years Credit Educ, Group Mtgs, Credit Ins
Midterm Loan INR 8,000 - 8,000 10 80% - 100% 80% - 100% Business Women, Must be a weekly Loan borrower, age between 18 to 55 years Credit Educ, Group Mtgs, Credit Ins
Monthly Loan INR 6,000 - 35,000 12 - 24 80% - 100% 0% - 20% Business Women, Age between 18 to 58 years Group Mtgs, Credit Ins, Other Training
Weekly Loan INR 6,000 - 15,000 12 80% - 100% 80% - 100% Business Women, Must be between 18-58 years Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual GHS 100 - 5,000 6 - 12 80% - 100% 60% - 80% Business, Housing, Education, Micro School, Special Agric Loan Women, Men, Have business Credit Educ, Group Mtgs, Business Training
SME GHS 5,000 - 50,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Solidarity GHS 1,000 - 4,000 0.5 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Education
Trust Bank GHS 200 - 900 6 - 10 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, 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
Daily Loan 0% 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 0% 24.5% 30.2% N/A
Monthly Loan 24.5% 24.5% - 28.7% 29.9% - 31.4% 100
Weekly Loan 0% 27.3% - 28.3% 31.4% - 34.8% 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
Daily Loan 12.8% annual, Flat 1 Fee 0 Ins None 500.00 upfront 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 12.0% annual, Flat 2 Fees 0 Ins None 500.00 upfront 24.5% 30.2% N/A
Monthly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 24.5% - 28.7% 29.9% - 31.4% 84
Weekly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 27.3% - 28.3% 31.4% - 34.8% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22

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
Daily Loan 0% 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 0% 24.5% 30.2% N/A
Monthly Loan 24.5% 24.5% - 28.7% 29.9% - 31.4% 100
Weekly Loan 0% 27.3% - 28.3% 31.4% - 34.8% 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
Daily Loan 12.8% annual, Flat 1 Fee 0 Ins Ins None 500.00 upfront 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 12.0% annual, Flat 2 Fees 0 Ins Ins None 500.00 upfront 24.5% 30.2% N/A
Monthly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 24.5% - 28.7% 29.9% - 31.4% 84
Weekly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 27.3% - 28.3% 31.4% - 34.8% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual 20.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 64.3% - 75.8% 78.7% - 91.5% 22
SME 36.00%-40.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 56.6% - 76.6% 69.6% - 94.5% 43
Solidarity 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 69.2% - 75.4% 84.8% - 93.1% 24
Trust Bank 22.00%-39.00% annual, Flat 2 Fees 1 Ins Ins None 10.00% upfront 76.8% - 79.4% 94.4% - 97.8% 22
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeFFSLInstitutionIN-027-V02-P01IN-027-V02-P02IN-027-V02-P03IN-027-V02-P04ProductINCountry2012YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 39,00029,00019,0009,9001,100Number 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 PurposeSATInstitutionGH-041-V02-P01GH-041-V02-P03GH-041-V02-P04GH-041-V02-P05ProductGHCountry2013YearRange Number2Institution Data Version05,00010,00015,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 97,00072,00048,00024,0002,600Number of Borrowers
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