| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.sisdo.org/ |
| Year established | 1991 |
| Head of Institution | Simon Maina |
| Regions active | Central, Eastern, Nairobi, Rift Valley, Western |
| # Branches | 16 |
| Total Portfolio (nat'l) | KES 302,871,417 |
| Total Portfolio (USD) | USD 3,657,867.36 |
| Active clients with loans | 7,374 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.asmithamicrofin.com/ |
| Year established | 2001 |
| Head of Institution | Dr. Vidya Sravanthi |
| Regions active | Andhra Pradesh, Bihar, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, West Bengal |
| # Branches | 509 |
| Total Portfolio (nat'l) | INR 12,057,425,495 |
| Total Portfolio (USD) | USD 227,498,594.20 |
| Active clients with loans | 1,136,100 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN, AKMI, MIX Market |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Financing Loan | KES 20,000 - 50,000 | 3 - 12 | 40% - 60% | 40% - 60% | Business, Housing | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Daraja Loan | KES 50,000 - 300,000 | 3 - 24 | 40% - 60% | 0% - 20% | Business, Only working capital | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional | |||||||
| Farm Inputs Loan | KES 5,000 - 100,000 | 3 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Must be a farmer | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Inua Loan | KES 5,000 - 300,000 | 3 - 18 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health insurance - optional | |||||||
| School Fees Loan | KES 3,000 - 100,000 | 3 - 12 | 60% - 80% | 40% - 60% | Education | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Zero Grazing Loan | KES 10,000 - 300,000 | 3 - 18 | 40% - 60% | 20% - 40% | Agriculture, Improvement to shed, purchase of cow, chaff-cutter | Women, Men, Have business, Farmers only | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | INR 14,999 - 35,000 | 12 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, National Pension Scheme collabaration with LIC. |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Financing Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 100.00 ongoing | 37.6% - 38.5% | 70.3% - 83.8% | 26 | ||||||||
| Daraja Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 500.00 ongoing | 40.9% - 41% | 73% - 119.1% | 25 | ||||||||
| Farm Inputs Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 100.00 ongoing | 30.9% - 41.8% | 58.3% - 148.4% | 27 | ||||||||
| Inua Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 100.00 ongoing | 40.9% - 41.9% | 69.4% - 113% | 27 | ||||||||
| School Fees Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 100.00 ongoing | 37.6% | 66.5% - 113.4% | 25 | ||||||||
| Zero Grazing Loan | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront 100.00 ongoing | 39.2% - 41.8% | 69.2% - 87.7% | 29 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 25.7% - 26% | 26.8% - 28.1% | 29.3% - 30.5% | Yes | Yes | Yes | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.8% - 28.1% | 29.3% - 30.5% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Financing Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 37.6% - 38.5% | 70.3% - 83.8% | 26 | ||||||||
| Daraja Loan | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 500.00 ongoing | 40.9% - 41% | 73% - 119.1% | 25 | ||||||||
| Farm Inputs Loan | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 30.9% - 41.8% | 58.3% - 148.4% | 27 | ||||||||
| Inua Loan | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 40.9% - 41.9% | 69.4% - 113% | 27 | ||||||||
| School Fees Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 37.6% | 66.5% - 113.4% | 25 | ||||||||
| Zero Grazing Loan | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 39.2% - 41.8% | 69.2% - 87.7% | 29 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 25.7% - 26% | 26.8% - 28.1% | 29.3% - 30.5% | Yes | Yes | Yes | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.8% - 28.1% | 29.3% - 30.5% | 80 |
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