| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.swadhaar.com/ |
| Year established | 2008 |
| Head of Institution | Veena Mankar |
| Regions active | 0 |
| # Branches | 38 |
| Total Portfolio (nat'l) | INR 499,794,263 |
| Total Portfolio (USD) | USD 11,106,539.18 |
| Active clients with loans | 59,680 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | INR 6,000 - 26,000 | 12 - 24 | 80% - 100% | 80% - 100% | Business, Investment in own business/business run by family, Setup and development of a new business. | Women, Have business, Salaried worker, Specific age group, Micro-entrepreneurs, salaried or commission-based workers | Credit Educ, Credit Ins | |||||||
| Swayog - Individual Business Loan | INR 8,000 - 50,000 | 3 - 12 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, The client must be the owner of the business. | Credit Educ, Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 0% | 27% - 27.9% | 28% - 28.9% | N/A | ||||||||||
| Swayog - Individual Business Loan | 0% | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27% - 27.9% | 28% - 28.9% | 91 | ||||||||
| Swayog - Individual Business Loan | 36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| APAS | 320 | 128,000 | 2 | 169 |
| BRAC-UGA | 139,200 | 28,254,000 | 3 | 125 |
| Centenary Bank | 133,802 | 221,144,231 | 4 | 149 |
| EBO SACCO | 1,500 | 1,240,382 | 2 | 149 |
| Equity Bank | 13,069 | 57,252,004 | 0 | 149 |
| Finance Trust | 22,555 | 17,520,424 | 5 | 149 |
| FINCA-UGA | 56,300 | 27,402,000 | 4 | 123 |
| Five Talents | 5,365 | 368,057 | 2 | 149 |
| Gatsby | 1,346 | 2,440,236 | 2 | 149 |
| Habitat Uganda | 858 | 265,508 | 1 | 149 |
| Hofokam | 20,908 | 4,793,200 | 6 | 149 |
| KACITA | 156 | 60,318 | 1 | 149 |
| Madfa SACCO | 4,832 | 288,674 | 5 | 149 |
| Opportunity | 23,734 | 13,560,846 | 13 | 149 |
| RUCREF | 5,557 | 898,380 | 4 | 169 |
| Rushere SACCO | 983 | 574,549 | 2 | 149 |
| SAO | 204 | 62,768 | 1 | 149 |
| Silver Upholders | 2,111 | 189,189 | 4 | 149 |
| THPU | 6,528 | 676,391 | 1 | 149 |
| UGAFODE | 8,197 | 4,720,446 | 9 | 149 |
| VF Uganda | 13,072 | 3,221,675 | 5 | 149 |
| Wakiso | 513 | 276,000 | 1 | 149 |
| Y-SAVE | 208 | 1,686,485 | 1 | 149 |
| 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 |
|---|---|---|---|---|---|---|---|
