| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Brian Kofi Kunda |
| Regions active | |
| # Branches | 1 |
| Total Portfolio (nat'l) | ZMK 96,120,000 |
| Total Portfolio (USD) | USD 18,573.91 |
| Active clients with loans | 43 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sharemicrofin.com/ |
| Year established | 2000 |
| Head of Institution | Mr. M. Udaia Kumar |
| Regions active | Andhra Pradesh, Assam, Bihar, Chhattisgarh, Gujarat, Haryana, Himachal PradeshJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, National Capital Territory of Delhi |
| # Branches | 896 |
| Total Portfolio (nat'l) | INR 20,895,693,066 |
| Total Portfolio (USD) | USD 394,258,359.70 |
| Active clients with loans | 2,227,675 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN, WWB, Alpha |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal loan | ZMK 500,000 - 5,000,000 | 1 - 12 | 20% - 40% | 80% - 100% | Any Purpose, Mostly used for business | Women, Men, Reliable income or some kind of collateral | Credit Educ | |||||||
| Salary support | ZMK 500,000 - 5,000,000 | 1 - 12 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | INR 12,000 - 25,000 | 12 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Qualify for a test on Financial education , Training provided on Financial education | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Health Insurance Services , National Pension Scheme collabaration with LIC |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal loan | 180.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 194.4% - 235.1% | 222.7% - 265.1% | 75 | ||||||||
| Salary support | 180.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 200.4% - 256.5% | 229.8% - 288.3% | 72 |
| 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 Liability Group Loan | 25.4% - 26% | 27.5% - 28.1% | 29.9% - 30.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.5% - 28.1% | 29.9% - 30.5% | 79 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal loan | 180.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 194.4% - 235.1% | 222.7% - 265.1% | 75 | ||||||||
| Salary support | 180.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 200.4% - 256.5% | 229.8% - 288.3% | 72 |
| 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 Liability Group Loan | 25.4% - 26% | 27.5% - 28.1% | 29.9% - 30.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.5% - 28.1% | 29.9% - 30.5% | 79 |
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