Trident Microfin Limited - MFTransparency.org Truth In Lending Tables

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Institution

Trident Microfin Limited DNO:11-8-15,MIG-33,SHREE SAI ARCADE,1ST & 2ND FLOORS,SAROORNAGAR,HYDERABAD, ANDHRA PRADESH500035

Data approved: 2010-10-25

Data version: 1

Age of data: - months

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Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater AccraNB29, Accra

Data approved: 2011-12-07

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	N/A
Website address	http://www.tridentmicrofin.com/
Year established	2007
Head of Institution	KISHORE KUMAR PULI
Regions active	0
# Branches	60

Total Portfolio (nat'l)	INR 1,386,607,288
Total Portfolio (USD)	USD 30,813,495.29
Active clients with loans	174,873
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.asp-i.org/asp-i/
Year established	2003
Head of Institution	Moses O.T Owharo
Regions active	0
# Branches	0

Total Portfolio (nat'l)	GHS 310,000
Total Portfolio (USD)	USD 206,666.67
Active clients with loans	4,200
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	GHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
Funders	USAID, UBA, FIDELITY BANK, Ghana Commercial Bank

Loan Products » Summary

Agri Allied Loans

805 Borrowers

USD 204,634.07 Portfolio

Crop Loans to Farmer Groups

1,394 Borrowers

USD 133,551.80 Portfolio

Group Loan for Women Monthly

32,636 Borrowers

USD 7,112,021.20 Portfolio

Women Weekly

142,967 Borrowers

USD 20,219,522.93 Portfolio

Individual Micro Enterprise Loans

70 Borrowers

USD 38,675.18 Portfolio

Personal Loan to Employees

21 Borrowers

USD 9,155.51 Portfolio

Loan Products » Summary

Agriculture Loan

550 Borrowers

USD 13,333 Portfolio

Compulsory Savings Loan

1,900 Borrowers

USD 106,667 Portfolio

Individual Loan

200 Borrowers

USD 2,401 Portfolio

SME Loan

200 Borrowers

USD 2,100 Portfolio

Susu Savings Loan

900 Borrowers

USD 56,667 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agri Allied Loans	INR 16,000 - 20,000	18 - 36	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins
Crop Loans to Farmer Groups	INR 6,000 - 25,000	10 - 12	0% - 20%	0% - 20%	Business, Loan is given for inputs required for harvesting	Women, Men, Have home or land, The loan is also given to clients in rented accomadation who have stayed in that locality for more t, Out of a group of 5 members ,4 members should have own house	Credit Educ, Group Mtgs, Credit Ins
Group Loan for Women Monthly	INR 6,000 - 18,000	18	80% - 100%	0% - 20%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women, The loan is also given to clients in rented accomadation who have stayed in that locality for more t	Credit Educ, Group Mtgs, Credit Ins, Other Training
Group Loan for Women Weekly	INR 6,000 - 18,000	11.5 - 12	80% - 100%	40% - 60%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women	Credit Educ, Group Mtgs, Credit Ins
Individual Micro Enterprise Loans	INR 16,000 - 100,000	18 - 36	60% - 80%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins, Other Training
Personal Loan to Employees	INR 16,000 - 100,000	18 - 36	80% - 100%	0% - 20%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban
Agriculture Loan	GHS 800 - 8,000	4 - 6	80% - 100%	0% - 20%
Compulsory Savings Loan	GHS 300 - 3,000	3 - 6	80% - 100%	0% - 20%
Individual Loan	GHS 900 - 2,000	3 - 12	60% - 80%	40% - 60%
SME Loan	GHS 1,500 - 5,000	4 - 8	80% - 100%	60% - 80%
Susu Savings Loan	GHS 200 - 1,000	3 - 6	80% - 100%	0% - 20%

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agri Allied Loans	0%	0%	0%	N/A
Crop Loans to Farmer Groups	0%	0%	0%	N/A
Group Loan for Women Monthly	0%	0%	0%	N/A
Group Loan for Women Weekly	0%	0%	0%	N/A
Individual Micro Enterprise Loans	0%	0%	0%	N/A
Personal Loan to Employees	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agri Allied Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Crop Loans to Farmer Groups	21.0% annual, Decl Bal	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Monthly	12.5%-15.0% annual, Flat	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Weekly	12.5%-15.0% annual, Flat	2 Fees	None	N/A	0%	0%	N/A
Individual Micro Enterprise Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Personal Loan to Employees	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	42.00%-0.00% annual, Flat	1 Fee		46% - 64.7%	59.4% - 132.1%	47
Compulsory Savings Loan	42.00%-0.00% annual, Flat	1 Fee		65.1% - 97.2%	90.8% - 141.1%	33
Individual Loan	42.00%-0.00% annual, Flat	1 Fee		83.1% - 87.1%	119.8% - 126.9%	34
SME Loan	42.00%-0.00% annual, Flat	1 Fee		74.7% - 96.7%	109.5% - 140.4%	34
Susu Savings Loan	42.00%-0.00% annual, Flat	1 Fee	N/A	87.1%	87.1%	48

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agri Allied Loans	0%	0%	0%	N/A
Crop Loans to Farmer Groups	0%	0%	0%	N/A
Group Loan for Women Monthly	0%	0%	0%	N/A
Group Loan for Women Weekly	0%	0%	0%	N/A
Individual Micro Enterprise Loans	0%	0%	0%	N/A
Personal Loan to Employees	0%	0%	0%	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
Agri Allied Loans	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Crop Loans to Farmer Groups	21.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Monthly	12.5%-15.0% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Weekly	12.5%-15.0% annual, Flat	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Micro Enterprise Loans	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Personal Loan to Employees	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	42.00%-0.00% annual, Flat	1 Fee	0 Ins Ins		46% - 64.7%	59.4% - 132.1%	47
Compulsory Savings Loan	42.00%-0.00% annual, Flat	1 Fee	0 Ins Ins		65.1% - 97.2%	90.8% - 141.1%	33
Individual Loan	42.00%-0.00% annual, Flat	1 Fee	0 Ins Ins		83.1% - 87.1%	119.8% - 126.9%	34
SME Loan	42.00%-0.00% annual, Flat	1 Fee	0 Ins Ins		74.7% - 96.7%	109.5% - 140.4%	34
Susu Savings Loan	42.00%-0.00% annual, Flat	1 Fee	0 Ins Ins	N/A	87.1%	87.1%	48

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Key Statistics
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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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