| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1995 |
| Head of Institution | Marilyn Operio |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 9,202,747 |
| Total Portfolio (USD) | USD 220,161.41 |
| Active clients with loans | 925 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders | Oikocredit |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.ltfinance.com/ |
| Year established | 1994 |
| Head of Institution | Dinanath Dubhashi |
| Regions active | Andhra Pradesh, Gujarat, Karnataka, Maharashtra, Orissa, Tamil Nadu, West Bengal |
| # Branches | 74 |
| Total Portfolio (nat'l) | INR 1,971,550,546 |
| Total Portfolio (USD) | USD 37,199,066.91 |
| Active clients with loans | 399,880 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | PHP 1,000 - 60,000 | 1 - 12 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Has no history of loan delinquency | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Social Services, Spiritual formation (Bible study), Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | INR 5,000 - 15,000 | 12 | 100% | 0% - 20% | Business | Women, Have business, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | 24.0%-36.0% annual, Flat | 2 Fees | 2 Ins | None | 2.0% upfront 100.00 ongoing | 48.1% - 95.4% | 88.9% - 175.8% | 21 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 21.9% - 23.7% | 23.7% - 25.5% | 24% - 25.7% | Yes | Yes | NA | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 22.0% annual, Decl Bal | 1 Fee | 0 | 12.36% fees | N/A | 23.7% - 25.5% | 24% - 25.7% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livelihood Loan | 24.0%-36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 2.0% upfront 100.00 ongoing | 48.1% - 95.4% | 88.9% - 175.8% | 21 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 21.9% - 23.7% | 23.7% - 25.5% | 24% - 25.7% | Yes | Yes | NA | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JLG_FY12 | 22.0% annual, Decl Bal | 1 Fee | 0 | 12.36% fees | N/A | 23.7% - 25.5% | 24% - 25.7% | 90 |
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