| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sonataindia.com/ |
| Year established | 2006 |
| Head of Institution | Anup Kumar Singh |
| Regions active | Haryana, Madhya Pradesh |
| # Branches | 108 |
| Total Portfolio (nat'l) | INR 1,204,379,246 |
| Total Portfolio (USD) | USD 22,724,136.72 |
| Active clients with loans | 158,243 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, SAMN, MFIN, ACTED |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.africangatesupport.com/ |
| Year established | 2008 |
| Head of Institution | Joris Eduamah |
| Regions active | Western Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 93,619 |
| Total Portfolio (USD) | USD 47,522.34 |
| Active clients with loans | 225 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders | Neurotical Ideas Ltd |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 7,200 - 19,650 | 12.2 - 23.33 | 100% | 0% - 20% | Business | Women, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual Loan | INR 20,000 - 50,000 | 12 - 24 | 100% | 0% | Business | Women, Have business | Credit Educ, Credit Ins | |||||||
| Utility Finance | INR 1,000 - 6,770 | 3.55 - 8.88 | 100% | 20% - 40% | Any Purpose | Women | Credit Educ, Group Mtgs, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 100 - 5,000 | 1 - 6 | 80% - 100% | 40% - 60% | Business, Housing, Consumer, Education | Women, Men | Group Mtgs, Business Training |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 25% - 25.4% | 26.2% - 26.6% | 27.5% - 28.8% | Yes | Yes | Yes | 100 | |||||||
| Individual Loan | 25.6% - 26.1% | 26.5% - 27% | 27.5% - 28.1% | Yes | Yes | Yes | 100 | |||||||
| Utility Finance | 23% - 26.2% | 25.6% - 30.2% | 26% - 30.7% | Yes | Yes | NA | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 26.2% - 26.6% | 27.5% - 28.8% | 92 | ||||||||
| Individual Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 26.5% - 27% | 27.5% - 28.1% | 93 | ||||||||
| Utility Finance | 23.1%-26.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 25.6% - 30.2% | 26% - 30.7% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 72.00%-88.20% annual, Flat | 1 Fee | 0 | None | 20.00%- upfront | 168.1% - 207.8% | 242.2% - 311.7% | 25 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 25% - 25.4% | 26.2% - 26.6% | 27.5% - 28.8% | Yes | Yes | Yes | 100 | |||||||
| Individual Loan | 25.6% - 26.1% | 26.5% - 27% | 27.5% - 28.1% | Yes | Yes | Yes | 100 | |||||||
| Utility Finance | 23% - 26.2% | 25.6% - 30.2% | 26% - 30.7% | Yes | Yes | NA | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 26.2% - 26.6% | 27.5% - 28.8% | 92 | ||||||||
| Individual Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 26.5% - 27% | 27.5% - 28.1% | 93 | ||||||||
| Utility Finance | 23.1%-26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 25.6% - 30.2% | 26% - 30.7% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 72.00%-88.20% annual, Flat | 1 Fee | 0 | None | 20.00%- upfront | 168.1% - 207.8% | 242.2% - 311.7% | 25 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
