Trident Microfin Limited - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Trident Microfin Limited DNO:11-8-15,MIG-33,SHREE SAI ARCADE,1ST & 2ND FLOORS,SAROORNAGAR,HYDERABAD, ANDHRA PRADESH500035

Data approved: 2010-10-25

Data version: 1

Age of data: - months

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Institution

Equity Bank Ragati Road, NHIF Building, 14th floorNairobiP.O. Box 75104-00200

Data approved: 2010-09-09

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Private 'For-Profit'
Is this institution regulated?	N/A
Website address	http://www.tridentmicrofin.com/
Year established	2007
Head of Institution	KISHORE KUMAR PULI
Regions active	0
# Branches	60

Total Portfolio (nat'l)	INR 1,386,607,288
Total Portfolio (USD)	USD 30,813,495.29
Active clients with loans	174,873
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.equitybank.co.ke/
Year established	1984
Head of Institution	Dr. James Mwangi
Regions active	0
# Branches	112

Total Portfolio (nat'l)	KES 62,053,365,859
Total Portfolio (USD)	USD 749,436,785.70
Active clients with loans	715,969
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations
Funders

Loan Products » Summary

Agri Allied Loans

805 Borrowers

USD 204,634.07 Portfolio

Crop Loans to Farmer Groups

1,394 Borrowers

USD 133,551.80 Portfolio

Group Loan for Women Monthly

32,636 Borrowers

USD 7,112,021.20 Portfolio

Women Weekly

142,967 Borrowers

USD 20,219,522.93 Portfolio

Individual Micro Enterprise Loans

70 Borrowers

USD 38,675.18 Portfolio

Personal Loan to Employees

21 Borrowers

USD 9,155.51 Portfolio

Loan Products » Summary

Agriculture

744 Borrowers

USD 3,595,648.99 Portfolio

Asset

2,853 Borrowers

USD 34,138,528.90 Portfolio

Biashara

33,530 Borrowers

USD 25,319,660.76 Portfolio

Business

5,686 Borrowers

USD 157,505,613.60 Portfolio

Fedha

107 Borrowers

USD 312,375.81 Portfolio

Imara

8,283 Borrowers

USD 9,595,151.44 Portfolio

Shaba

32,096 Borrowers

USD 11,064,777.09 Portfolio

Farm Input

32,201 Borrowers

USD 9,431,693.48 Portfolio

Insurance

5,092 Borrowers

USD 3,343,421.51 Portfolio

Vijana

20,739 Borrowers

USD 6,862,289.92 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agri Allied Loans	INR 16,000 - 20,000	18 - 36	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins
Crop Loans to Farmer Groups	INR 6,000 - 25,000	10 - 12	0% - 20%	0% - 20%	Business, Loan is given for inputs required for harvesting	Women, Men, Have home or land, The loan is also given to clients in rented accomadation who have stayed in that locality for more t, Out of a group of 5 members ,4 members should have own house	Credit Educ, Group Mtgs, Credit Ins
Group Loan for Women Monthly	INR 6,000 - 18,000	18	80% - 100%	0% - 20%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women, The loan is also given to clients in rented accomadation who have stayed in that locality for more t	Credit Educ, Group Mtgs, Credit Ins, Other Training
Group Loan for Women Weekly	INR 6,000 - 18,000	11.5 - 12	80% - 100%	40% - 60%	Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities	Women	Credit Educ, Group Mtgs, Credit Ins
Individual Micro Enterprise Loans	INR 16,000 - 100,000	18 - 36	60% - 80%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Credit Ins, Other Training
Personal Loan to Employees	INR 16,000 - 100,000	18 - 36	80% - 100%	0% - 20%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Commercial Loan	KES 100,000 - 4,000,000,000	1 - 36	40% - 60%	40% - 60%	Business, Purchase of farm inputs and farm machinery.	Women, Men, Must be in commercial farming for at least one year, Active account with Equity where proceeds are remitted.	Credit Ins
Asset Finance Loan	KES 100,000 - 4,000,000,000	1 - 48	40% - 60%	40% - 60%	Business, Loan specifically used for purchase of assets.	Women, Men, Equity Bank customer for at least one month or other bank statement, The asset being purchased is used as security for the loan.	Credit Ins
Biashara Imara Loan	KES 5,000 - 500,000	1 - 12	40% - 60%	40% - 60%	Business	Women, Men, Have business, Must have operated the business for more than one year	Credit Ins, Tech Asst Visits, Business Training
Business Loan	KES 300,000 - 4,000,000,000	1 - 60	40% - 60%	40% - 60%	Business	Women, Men, Have business, Must have operated the business for at least one year, Must have active account for at least 6 mos with Equity or other bank	Credit Ins
Fanikisha - Fedha - Loan	KES 300,000 - 1,000,000	1 - 18	80% - 100%	60% - 80%	Any Purpose	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Fanikisha - Imara - Loan	KES 30,000 - 500,000	1 - 18	80% - 100%	40% - 60%	Business	Women, Have business, Women who lack conventional securities.	Credit Ins, Tech Asst Visits, Business Training
Fanikisha - Shaba - Loan	KES 1,000 - 300,000	6 - 18	80% - 100%	40% - 60%	Business	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Farm Input Loan	KES 1,000 - 100,000	1 - 12	40% - 60%	40% - 60%	Business, Purchase of farm inputs	Women, Men, Must be in small scale or commercial farming, Active Equity Bank account where agricultural proceeds are remitted	Credit Ins
Insurance Premium Finance Loan	KES 5,000 - 4,000,000,000	1 - 10	40% - 60%	40% - 60%	Can only be used for financing insurance premiums.	Women, Men
Vijana Business Loan	KES 1,000 - 100,000	1 - 12	40% - 60%	40% - 60%	Business	Women, Men, Have business, Specific age group, Must have undergone group training through Ministry of Youth or Gender, Must be between 18 and 35 years old	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agri Allied Loans	0%	0%	0%	N/A
Crop Loans to Farmer Groups	0%	0%	0%	N/A
Group Loan for Women Monthly	0%	0%	0%	N/A
Group Loan for Women Weekly	0%	0%	0%	N/A
Individual Micro Enterprise Loans	0%	0%	0%	N/A
Personal Loan to Employees	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agri Allied Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Crop Loans to Farmer Groups	21.0% annual, Decl Bal	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Monthly	12.5%-15.0% annual, Flat	1 Fee	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Weekly	12.5%-15.0% annual, Flat	2 Fees	None	N/A	0%	0%	N/A
Individual Micro Enterprise Loans	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A
Personal Loan to Employees	15.0% annual, Flat	1 Fee	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Commercial Loan	18.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Asset Finance Loan	8.5% annual, Flat	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Biashara Imara Loan	18.0% annual, Flat	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Business Loan	18.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Fanikisha - Fedha - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A
Fanikisha - Imara - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Fanikisha - Shaba - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A
Farm Input Loan	15.0% annual, Flat	1 Fee	1 Ins	None	N/A	0%	0%	N/A
Insurance Premium Finance Loan	54.0%-90.0% annual, Flat	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Vijana Business Loan	8.0% annual, Flat	0 Fees	1 Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Agri Allied Loans	0%	0%	0%	N/A
Crop Loans to Farmer Groups	0%	0%	0%	N/A
Group Loan for Women Monthly	0%	0%	0%	N/A
Group Loan for Women Weekly	0%	0%	0%	N/A
Individual Micro Enterprise Loans	0%	0%	0%	N/A
Personal Loan to Employees	0%	0%	0%	N/A

*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
Agri Allied Loans	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Crop Loans to Farmer Groups	21.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Monthly	12.5%-15.0% annual, Flat	1 Fee	0 Ins Ins	None	10.0% upfront	0%	0%	N/A
Group Loan for Women Weekly	12.5%-15.0% annual, Flat	2 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Micro Enterprise Loans	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Personal Loan to Employees	15.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Commercial Loan	18.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Asset Finance Loan	8.5% annual, Flat	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Biashara Imara Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Business Loan	18.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Fanikisha - Fedha - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A
Fanikisha - Imara - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Fanikisha - Shaba - Loan	18.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A
Farm Input Loan	15.0% annual, Flat	1 Fee	1 Ins Ins	None	N/A	0%	0%	N/A
Insurance Premium Finance Loan	54.0%-90.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Vijana Business Loan	8.0% annual, Flat	0 Fees	1 Ins Ins	None	10.0% upfront 100.00 ongoing	0%	0%	N/A

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Key Statistics
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# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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