| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.smileltd.org |
| Year established | 1995 |
| Head of Institution | Mr. M. Sathiyamoorthi |
| Regions active | Tamil Nadu, Puducherry |
| # Branches | 151 |
| Total Portfolio (nat'l) | INR 3,017,141,968 |
| Total Portfolio (USD) | USD 56,927,206.94 |
| Active clients with loans | 360,271 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Sa-Dhan, MFIN |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.silverupholders.org/ |
| Year established | 2008 |
| Head of Institution | Julius Selwambala |
| Regions active | Central |
| # Branches | 6 |
| Total Portfolio (nat'l) | UGX 472,973,050 |
| Total Portfolio (USD) | USD 189,189.22 |
| Active clients with loans | 2,111 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Microfinance Support Center, AMFIU |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Loan (IGP) | INR 5,000 - 30,000 | 6 - 24 | 100% | 40% - 60% | Business | Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group loans | UGX 100,000 - 800,000 | 5 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs, Business Training | |||||||
| Security Scheme 1 | UGX 100,000 - 800,000 | 5 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs, Business Training | |||||||
| Security Scheme 2 | UGX 600,000 - 1,500,000 | 10 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs, Business Training | |||||||
| Share Scheme | UGX 700,000 - 2,000,000 | 10 | 80% - 100% | 60% - 80% | Business | Women, Have business | 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Loan (IGP) | 25.2% - 26% | 26.8% - 27.9% | 28.7% - 30.9% | Yes | Yes | Info awaited | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Loan (IGP) | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.8% - 27.9% | 28.7% - 30.9% | 88 |
| 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 | 111.9% - 133.6% | 111.9% - 133.6% | 39 | ||||||||
| Security Scheme 1 | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 5.00% upfront | 98.6% - 101.6% | 107.8% - 111.1% | 44 | ||||||||
| Security Scheme 2 | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 93.7% - 97.6% | 111.1% - 116.1% | 41 | ||||||||
| Share Scheme | 48.00% annual, Flat | 1 Fee | 0 Ins | None | 90000.00 upfront | 87.8% - 93.7% | 99% - 109.5% | 45 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Loan (IGP) | 25.2% - 26% | 26.8% - 27.9% | 28.7% - 30.9% | Yes | Yes | Info awaited | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Loan (IGP) | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.8% - 27.9% | 28.7% - 30.9% | 88 |
| 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 | 111.9% - 133.6% | 111.9% - 133.6% | 39 | ||||||||
| Security Scheme 1 | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 5.00% upfront | 98.6% - 101.6% | 107.8% - 111.1% | 44 | ||||||||
| Security Scheme 2 | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 93.7% - 97.6% | 111.1% - 116.1% | 41 | ||||||||
| Share Scheme | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 90000.00 upfront | 87.8% - 93.7% | 99% - 109.5% | 45 |
| 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 |
|---|---|---|---|---|---|---|---|
