Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.pfsl.com.zm/ |
Year established | 2008 |
Head of Institution | Claude Lafond |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | ZMK 18,835,000,000 |
Total Portfolio (USD) | USD 3,639,613.53 |
Active clients with loans | 1,481 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMIZ, PROXFIN |
Funders | AFDB, FMO, CIDA Canada, DID / CEP |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.suryodaymf.com/ |
Year established | 2008 |
Head of Institution | R Baskar Babu |
Regions active | Gujarat, Karnataka, Maharashtra, Orissa, Tamil Nadu |
# Branches | 34 |
Total Portfolio (nat'l) | INR 1,118,427,664 |
Total Portfolio (USD) | USD 21,102,408.75 |
Active clients with loans | 139,423 |
Approximate % female clients | 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | ZMK 5,000,000 - 120,000,000 | 6 - 60 | 40% - 60% | 40% - 60% | Business, Housing | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins | |||||||
MSME Loan | ZMK 1,000,000 - 120,000,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Women Market Loan | ZMK 1,000,000 - 5,000,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
IG02 | INR 15,000 - 15,000 | 18 | 80% - 100% | 80% - 100% | Business | Women, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
IGF02 | INR 15,000 - 15,000 | 16.5 | 80% - 100% | 80% - 100% | Business | Women, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
IM18 | INR 18,000 - 18,000 | 24 | 80% - 100% | 80% - 100% | Business | Women, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | 30.0%-36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 104.8% - 135.3% | 139.5% - 181% | 34 | ||||||||
Women Market Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
IG02 | 25.2% - 25.8% | 26.5% - 27.1% | 29% - 29.7% | Yes | Yes | Yes | 100 | |||||||
IGF02 | 25.8% - 26% | 27.3% - 27.5% | 30.1% - 30.3% | Yes | Yes | Yes | 100 | |||||||
IM18 | 26.3% - 26.8% | 27.3% - 27.9% | 29.5% - 30.2% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
IG02 | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.5% - 27.1% | 29% - 29.7% | 88 | ||||||||
IGF02 | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.3% - 27.5% | 30.1% - 30.3% | 86 | ||||||||
IM18 | 27.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 27.3% - 27.9% | 29.5% - 30.2% | 90 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | 30.0%-36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 104.8% - 135.3% | 139.5% - 181% | 34 | ||||||||
Women Market Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
IG02 | 25.2% - 25.8% | 26.5% - 27.1% | 29% - 29.7% | Yes | Yes | Yes | 100 | |||||||
IGF02 | 25.8% - 26% | 27.3% - 27.5% | 30.1% - 30.3% | Yes | Yes | Yes | 100 | |||||||
IM18 | 26.3% - 26.8% | 27.3% - 27.9% | 29.5% - 30.2% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
IG02 | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.5% - 27.1% | 29% - 29.7% | 88 | ||||||||
IGF02 | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.3% - 27.5% | 30.1% - 30.3% | 86 | ||||||||
IM18 | 27.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 27.3% - 27.9% | 29.5% - 30.2% | 90 |
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