| 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 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.apasgroup.com/ |
| Year established | 2005 |
| Head of Institution | Amos Ruhongore |
| Regions active | Eastern, Western |
| # Branches | 2 |
| Total Portfolio (nat'l) | UGX 320,000,000 |
| Total Portfolio (USD) | USD 128,000 |
| Active clients with loans | 320 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | AMFIU, Microfinance Management Institute |
| Funders |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | UGX 100,000 - 1,500,000 | 3 - 6 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Business Training | |||||||
| Individual Business Loans | UGX 500,000 - 10,000,000 | 1 - 6 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Other 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 48.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.1% - 86.6% | 40.1% - 86.6% | 75 | ||||||||
| Individual Business Loans | 60.00%-120.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 86.2% - 87.1% | 86.2% - 87.1% | 69 |
| 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 Ins | None | N/A | 27% - 27.9% | 28% - 28.9% | 91 | ||||||||
| Swayog - Individual Business Loan | 36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.1% - 86.6% | 40.1% - 86.6% | 75 | ||||||||
| Individual Business Loans | 60.00%-120.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 86.2% - 87.1% | 86.2% - 87.1% | 69 |
| 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 |
|---|---|---|---|---|---|---|---|
