| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 142 |
| Adok Timo | 4,200 | 570,000 | 4 | 174 |
| BIMAS | 11,100 | 4,679,000 | 7 | 142 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 142 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 142 |
| Family Bank | 43,200 | 90,700,000 | 5 | 174 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 142 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 142 |
| KADET | 12,900 | 5,402,000 | 4 | 142 |
| K-Rep | 0 | 0 | 0 | 142 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 174 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 142 |
| LKL | 13,100 | 9,311,000 | 10 | 135 |
| MKL | 18,200 | 5,989,000 | 6 | 119 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 142 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 142 |
| RAFODE | 2,900 | 356,000 | 1 | 142 |
| SISDO | 7,300 | 3,657,000 | 11 | 142 |
| Yehu | 14,000 | 3,149,000 | 11 | 142 |
| 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 |
| 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 | 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 |
| 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 ∞ | ||||||
