Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.ujjivan.com/ |
Year established | 2005 |
Head of Institution | Samit Ghosh |
Regions active | Assam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry |
# Branches | 298 |
Total Portfolio (nat'l) | INR 8,831,317,978 |
Total Portfolio (USD) | USD 166,628,641.10 |
Active clients with loans | 918,610 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Association of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.opportunityghana.com/ |
Year established | 2004 |
Head of Institution | Kwame Owusu-Boateng |
Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region |
# Branches | 29 |
Total Portfolio (nat'l) | GHS 56,590,868 |
Total Portfolio (USD) | USD 28,726,328.93 |
Active clients with loans | 62,525 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Opportunity International USA |
Funders | Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | INR 6,000 - 50,000 | 12 - 24 | 80% - 100% | 80% - 100% | Business | Women, Have business, Med HH Inc, Can be used for spouses/son's business | Credit Educ, Group Mtgs, Credit Ins, Financial Literacy Training, Life Insurance | |||||||
Education Loan | INR 5,000 - 15,000 | 12 | 80% - 100% | 80% - 100% | Education | Women, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Financial literacy training, Scholarships by Parinaam Foundation for deserving students. | |||||||
Emergency Loan | INR 2,000 - 2,000 | 6 | 80% - 100% | 80% - 100% | Other, Emergency use only | Women, Med HH Inc | Group Mtgs | |||||||
Family Loan | INR 6,000 - 35,000 | 12 - 24 | 80% - 100% | 80% - 100% | Housing, Consumer, Education, Other | Women, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance | |||||||
Livestock Loan | INR 15,000 - 35,000 | 24 | 80% - 100% | 0% - 20% | Business | Women, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | GHS 130 - 10,000 | 6 - 9 | 60% - 80% | 0% - 20% | Business, Farming | Women, Men, Specific age group, Farmers | Credit Educ, Credit Ins | |||||||
Church Loan | GHS 5,000 - 100,000 | 3 - 37 | 0% | 60% - 80% | Financing church building | Women, Men, Fully registered functioning church | Credit Educ | |||||||
Salary Loan | GHS 270 - 15,000 | 6 - 24 | 20% - 40% | 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins | |||||||
Group Loan | GHS 100 - 8,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Individual Loan | GHS 200 - 12,000 | 2 - 24 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
ISME / Edufinance | GHS 10,000 - 100,000 | 10 - 37 | 0% - 20% | 80% - 100% | Business, Education | Women, Men, Have business, Fully registered and licensed school | Tech Asst Visits, Business Training | |||||||
Susu Loan | GHS 100 - 10,000 | 3 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Adehye Loan | GHS 280 - 8,000 | 3 - 8 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Must be a good group loan client. | Credit Educ, Group Mtgs | |||||||
Eduloan | GHS 500 - 3,000 | 24 | 60% - 80% | 80% - 100% | Education | Women, Men | Credit Educ |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 23.7% | 25.1% - 25.5% | 26.7% - 28.2% | Yes | Yes | Yes | 100 | |||||||
Education Loan | 23.3% - 23.8% | 25% - 25.7% | 26.3% - 28.3% | Yes | Yes | Yes | 100 | |||||||
Emergency Loan | 23.3% - 24.4% | 23.3% - 24.4% | 23.3% - 24.4% | Yes | Yes | Yes | 100 | |||||||
Family Loan | 23.7% - 24.8% | 25.1% - 26.7% | 26.7% - 29.3% | Yes | Yes | Yes | 100 | |||||||
Livestock Loan | 25% - 26.9% | 26% - 27.9% | 32.4% - 34.9% | Yes | Yes | Yes | 93 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 25.1% - 25.5% | 26.7% - 28.2% | 87 | ||||||||
Education Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 25% - 25.7% | 26.3% - 28.3% | 87 | ||||||||
Emergency Loan | 24.0%-25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.3% - 24.4% | 23.3% - 24.4% | 100 | ||||||||
Family Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 25.1% - 26.7% | 26.7% - 29.3% | 86 | ||||||||
Livestock Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins | 12.36% fees | N/A | 26% - 27.9% | 32.4% - 34.9% | 72 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 40.8% - 65.4% | 47% - 78.8% | 61 | ||||||||
Church Loan | 39.0% annual, Decl Bal | 2 Fees | 1 Ins | None | 15.0% upfront | 42.1% - 45.3% | 55.6% - 61.3% | 66 | ||||||||
Salary Loan | 24.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 43.4% - 48.5% | 44.6% - 50.6% | 51 | ||||||||
Group Loan | 41.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 77.5% - 90.7% | 103% - 123.9% | 36 | ||||||||
Individual Loan | 42.0% annual, Flat | 2 Fees | 1 Ins | None | 10.0% upfront | 67.6% - 79% | 78.4% - 95.7% | 47 | ||||||||
ISME / Edufinance | 39.0% annual, Decl Bal | 2 Fees | 1 Ins | None | 43% - 46.3% | 44.4% - 48% | 84 | |||||||||
Susu Loan | 39.0% annual, Flat | 2 Fees | 1 Ins | None | N/A | 68.4% - 74.6% | 69.8% - 77.3% | 53 | ||||||||
Adehye Loan | 38.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0%-20.0% upfront | 67.1% - 81.6% | 96.6% - 124.1% | 35 | ||||||||
Eduloan | 24.0%-37.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 41.6% - 74.1% | 42.5% - 78% | 37 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 23.7% | 25.1% - 25.5% | 26.7% - 28.2% | Yes | Yes | Yes | 100 | |||||||
Education Loan | 23.3% - 23.8% | 25% - 25.7% | 26.3% - 28.3% | Yes | Yes | Yes | 100 | |||||||
Emergency Loan | 23.3% - 24.4% | 23.3% - 24.4% | 23.3% - 24.4% | Yes | Yes | Yes | 100 | |||||||
Family Loan | 23.7% - 24.8% | 25.1% - 26.7% | 26.7% - 29.3% | Yes | Yes | Yes | 100 | |||||||
Livestock Loan | 25% - 26.9% | 26% - 27.9% | 32.4% - 34.9% | Yes | Yes | Yes | 93 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 25.1% - 25.5% | 26.7% - 28.2% | 87 | ||||||||
Education Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 25% - 25.7% | 26.3% - 28.3% | 87 | ||||||||
Emergency Loan | 24.0%-25.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.3% - 24.4% | 23.3% - 24.4% | 100 | ||||||||
Family Loan | 24.0%-25.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 25.1% - 26.7% | 26.7% - 29.3% | 86 | ||||||||
Livestock Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins Ins | 12.36% fees | N/A | 26% - 27.9% | 32.4% - 34.9% | 72 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.0% upfront | 40.8% - 65.4% | 47% - 78.8% | 61 | ||||||||
Church Loan | 39.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 42.1% - 45.3% | 55.6% - 61.3% | 66 | ||||||||
Salary Loan | 24.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 43.4% - 48.5% | 44.6% - 50.6% | 51 | ||||||||
Group Loan | 41.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 77.5% - 90.7% | 103% - 123.9% | 36 | ||||||||
Individual Loan | 42.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 10.0% upfront | 67.6% - 79% | 78.4% - 95.7% | 47 | ||||||||
ISME / Edufinance | 39.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | 43% - 46.3% | 44.4% - 48% | 84 | |||||||||
Susu Loan | 39.0% annual, Flat | 2 Fees | 1 Ins Ins | None | N/A | 68.4% - 74.6% | 69.8% - 77.3% | 53 | ||||||||
Adehye Loan | 38.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0%-20.0% upfront | 67.1% - 81.6% | 96.6% - 124.1% | 35 | ||||||||
Eduloan | 24.0%-37.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 41.6% - 74.1% | 42.5% - 78% | 37 |
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 ∞ |