| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1989 |
| Head of Institution | Engr. Panfilo Asares |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 101,848,650 |
| Total Portfolio (USD) | USD 2,436,570.57 |
| Active clients with loans | 12,752 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Microfinance Council of the Philippines, Inc. |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.muthoot.com, www.muthoot.com/mmm |
| Year established | 1997 |
| Head of Institution | Thomas Muthoot |
| Regions active | Gujarat, Karnataka, Kerala, Tamil Nadu |
| # Branches | 135 |
| Total Portfolio (nat'l) | INR 2,601,408,238 |
| Total Portfolio (USD) | USD 49,083,174.30 |
| Active clients with loans | 331,892 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MFIN, Kerala Association of Microfinance Institutions |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | PHP 20,000 - 150,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men | Tech Asst Visits, Other Training, Mortuary Fund/Life insurance | |||||||
| Hiram (Group Loan) | PHP 3,000 - 100,000 | 6 | 60% - 80% | 20% - 40% | Business | Women, Men, Must have experience running a business | Group Mtgs, Tech Asst Visits, Business Training, Bookeeping, consultancy, Mortuary Fund/Life Insurance |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muthoot Mahila Mitra | INR 10,000 - 20,000 | 12 | 100% | 0% - 20% | Business | Women |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
| Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muthoot Mahila Mitra | 25.8% - 26.6% | 26.9% - 28.7% | 27.5% - 29.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muthoot Mahila Mitra | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.9% - 28.7% | 27.5% - 29.8% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
| Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muthoot Mahila Mitra | 25.8% - 26.6% | 26.9% - 28.7% | 27.5% - 29.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muthoot Mahila Mitra | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.9% - 28.7% | 27.5% - 29.8% | 90 |
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