2. FINCA-UGA
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Spandana
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA Uganda Limited Plot 22 Ben Kiwanuka StreetKampalaPO Box 24450
Data approved: 2014-11-19
Data version: 3
Age of data: 119 months
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Institution

Spandana Sphoorty Financial Limited Plot No 79, Care Crystal,Vinayak Nagar, GachibowliHyderabad, Andhra Pradesh500032
Data approved: 2013-05-02
Data version: 3
Age of data: 140 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established1992
Head of InstitutionJulius Omoding
Regions activeCentral, Eastern, Northern, Western, Southern
# Branches27

Total Portfolio (nat'l)UGX 69,190,692,605
Total Portfolio (USD)USD 27,402,254.50
Active clients with loans56,372
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersFINCA International, SEEP, Gates Foundation

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.spandanaindia.com/
Year established2004
Head of InstitutionPadmaja Reddy G.
Regions activeAndhra Pradesh, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa
# Branches1221

Total Portfolio (nat'l)INR 27,681,507,970
Total Portfolio (USD)USD 522,292,603.20
Active clients with loans3,305,413
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSadhan, Mix Market, MFIN, WWB

Loan Products » Summary

Business
10,570 Borrowers
USD 17,162,934.63 Portfolio
Active Product
Small Grp
11,953 Borrowers
USD 2,596,434.73 Portfolio
Active Product
Village Grp
31,375 Borrowers
USD 5,567,259.94 Portfolio
Active Product
Agric Ln
2,474 Borrowers
USD 2,075,625.19 Portfolio
Active Product

Loan Products » Summary

Abhilasha
178,199 Borrowers
USD 43,740,584.21 Portfolio
Active Product
Pragathi
355,279 Borrowers
USD 103,500,247.70 Portfolio
Active Product
Dharani
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
FINCA Business Loan UGX 500,000 - 200,000,000 3 - 36 20% - 40% 80% - 100% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Ins
FINCA Small Group Loan UGX 500,000 - 10,000,000 3 - 12 20% - 40% 60% - 80% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Village Group Loan UGX 50,000 - 10,000,000 4 - 8 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Agriculture Loan UGX 100,000 - 60,000,000 3 - 36 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Individual farmers & farmers in cooperatives Loan guarantee up to 50% by agribusiness initiative

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Abhilasha INR 4,000 - 30,000 0.6 - 24 80% - 100% 0% - 20% Business, Housing, Education, Other Women, Low HH Inc, Med HH Inc, Economically active. Credit Educ, Group Mtgs, Other Training, Group Solidarity Training
Pragathi INR 15,000 - 50,000 18 - 24 80% - 100% 0% - 20% Business Women, Self-employed. Credit Educ, Group Mtgs, Group Solidarity Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
FINCA Business Loan 24.0%-36.0% annual, Decl Bal 2 Fees 1 Ins None N/A 32.2% - 36.1% 33% - 37% 68
FINCA Small Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 69.2% - 71.6% 82.7% - 87.1% 81
FINCA Village Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 1.00% ongoing 70% - 80.5% 84.2% - 97.9% 78
FINCA Agriculture Loan 42.0%-68.8% annual, Decl Bal 2 Fees 0 Ins None N/A 59.7% - 71.5% 59.7% - 71.5% 66

Loan Products » MFIN India Additional Information

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
Abhilasha 24.8% - 26.1% 28.2% - 28.9% 30.7% - 31.5% Yes Yes Yes 100
Pragathi 26.1% 28.1% 30.5% Yes Yes Yes 100
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 24.5%-26.1% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.2% - 28.9% 30.7% - 31.5% 79
Pragathi 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.1% 30.5% 85

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
FINCA Business Loan 24.0%-36.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 32.2% - 36.1% 33% - 37% 68
FINCA Small Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 69.2% - 71.6% 82.7% - 87.1% 81
FINCA Village Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 1.00% ongoing 70% - 80.5% 84.2% - 97.9% 78
FINCA Agriculture Loan 42.0%-68.8% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 59.7% - 71.5% 59.7% - 71.5% 66

Loan Products » MFIN India Additional Information

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
Abhilasha 24.8% - 26.1% 28.2% - 28.9% 30.7% - 31.5% Yes Yes Yes 100
Pragathi 26.1% 28.1% 30.5% Yes Yes Yes 100
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 24.5%-26.1% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.2% - 28.9% 30.7% - 31.5% 79
Pragathi 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.1% 30.5% 85
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