2. Sambhav
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Institution

Sambhav Social Service Organization Lincoln House, 19 New Vivekanand ColonyBalwant Nagar Ext. Gandhi RaodGwalior, M.P474002
Data approved: 2010-10-25
Data version: 1
Age of data: 166 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.sambhavindia.org/
Year established1988
Head of InstitutionDr. S.K.Singh
Regions activeMadhya Pradesh, Uttar Pradesh
# Branches9

Total Portfolio (nat'l)INR 9,737,000
Total Portfolio (USD)USD 183,716.98
Active clients with loans1,571
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Loan Products » Summary

House
53 Borrowers
USD 11,320.75 Portfolio
Active Product
Live stock
298 Borrowers
USD 55,415.09 Portfolio
Active Product
Sanitation
1,220 Borrowers
USD 116,981.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
House Repair INR 5,000 - 20,000 12 - 24 80% - 100% 60% - 80% Housing Women, Have home or land Credit Educ, Group Mtgs, Credit Ins
Live Stock INR 5,000 - 20,000 12 80% - 100% 0% - 20% Livestock Purchase Women, She should have experince of keeping Buffalow , cow and goat. Credit Educ, Group Mtgs, Credit Ins
Sanitation Loan INR 3,000 - 10,000 12 - 24 80% - 100% 80% - 100% For constructing a toilet and bathing space. Women, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

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
House Repair 0% 33.9% 41.9% N/A
Live Stock 0% 18.7% - 34.8% 22.5% - 43.6% N/A
Sanitation Loan 0% 35.5% - 42.5% 39.6% - 54.5% 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
House Repair 18.0% annual, Flat 1 Fee 2 Ins None 10.0% upfront 33.9% 41.9% 43
Live Stock 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 18.7% - 34.8% 22.5% - 43.6% 54
Sanitation Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 35.5% - 42.5% 39.6% - 54.5% 39
Institution Price Graph
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  2. MicrofinPlus Gh
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

MicrofinPlus Ghana Head OfficeKasoa Bawijiase RoadKasoa, CentralP.O. Box 166
Data approved: 2013-03-08
Data version: 2
Age of data: 135 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 441,908.06
Portfolio (USD)USD 231,365
Active Clients with Loans1,068
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed for women in groups.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
OtherMalaria prevention training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMaximum amount of men permitted in group - 20%.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 50
Maximum loan size2,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00070%
GHS 1,000-5,00030%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.2 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest45.00%
Highest quoted nominal interest45.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min0.75%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionGroup Fee
% of loan amount - min0.75%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 3% per annum. Varies depending on loan term.
Appears on Repayment Sched?No
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
In the case of first-cycle loans, savings are accumulated over a start-up training period of 6 weeks, then deposited before receiving a loan. For multiple-cycle loans, savings is accumulated throughout the loan term of the previous cycle, then deposited before receiving a loan.

Full Pricing Data

M-Hope samples
Sample 1Sample 2Sample 3
Loan AmountGHS 300GHS 600GHS 1,600
Loan Cycle (1, 2, 3, etc)666
Disbursement Date2012-11-082012-11-082012-12-18
Loan Term (Months)4.0 months4.0 months4.0 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditGHS 57.90GHS 115.80GHS 308.80
True Price by Comp     
Interest price component76.2%76.2%80.5%
Fee Component10.2%10.2%10.8%
Insurance Component9.4%9.4%9.9%
Tax Component0.0%0.0%0.0%
Deposit Component28.5%28.5%32.1%
Full APR (int fee ins tax dep)124.3%124.3%133.3%
Transparency Index363634
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
M-Hope Price Graphs


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# Countries
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% Products with compulsory deposits
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