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Institution

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

Swadhaar FinServe Pvt. Ltd. 5/39 Shree Om Co-operative Housing SocietyAnand Nagar, Guru Narayan Road, Santacruz (E)Mumbai, Maharashtra400001
Data approved: 2010-11-02
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionRomedan Mohammed
Regions active
# Branches170

Total Portfolio (nat'l)ETB 585,102,740
Total Portfolio (USD)USD 31,799,061.96
Active clients with loans327,888
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAEMFI
FundersRegional Government, Wondo Company, Association of Southern Peoples

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.swadhaar.com/
Year established2008
Head of InstitutionVeena Mankar
Regions active0
# Branches27

Total Portfolio (nat'l)INR 195,640,261
Total Portfolio (USD)USD 4,347,561.36
Active clients with loans27,391
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

170,500 Borrowers
USD 16,535,434.78 Portfolio
Active Product
4,000 Borrowers
USD 381,586.96 Portfolio
Active Product
1,600 Borrowers
USD 158,994.57 Portfolio
Active Product
147,500 Borrowers
USD 14,309,510.87 Portfolio
Active Product

Loan Products » Summary

23,585 Borrowers
USD 3,219,163 Portfolio
Active Product
3,806 Borrowers
USD 1,128,399 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Rural Agriculture Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Rural Petty Trade Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Small Investment Loan ETB 2,000 - 20,000 12 - 36 0% - 20% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Urban Loan ETB 2,000 - 50,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Swahit - Individual Loan with Joint Liability INR 6,000 - 34,000 12 - 24 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Some consumption is prohibited based on credit pol Women, Have business, Salaried worker, Micro-entrepreneurs, salaried or commission-based workers Credit Educ, Credit Ins
Swayog - Individual Business Loan INR 8,000 - 50,000 3 - 12 0% - 20% 80% - 100% Business Women, Men, Have business, The client must be the owner of the business. Credit Educ, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

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
Swahit - Individual Loan with Joint Liability 0% 27% - 27.9% 28% - 28.9% N/A
Swayog - Individual Business Loan 0% 40.9% - 44.2% 42.1% - 46.6% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Swahit - Individual Loan with Joint Liability 15.0%-18.0% annual, Flat 1 Fee 0 Ins None N/A 27% - 27.9% 28% - 28.9% 36
Swayog - Individual Business Loan 36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 40.9% - 44.2% 42.1% - 46.6% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

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
Swahit - Individual Loan with Joint Liability 0% 27% - 27.9% 28% - 28.9% N/A
Swayog - Individual Business Loan 0% 40.9% - 44.2% 42.1% - 46.6% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Swahit - Individual Loan with Joint Liability 15.0%-18.0% annual, Flat 1 Fee 0 Ins Ins None N/A 27% - 27.9% 28% - 28.9% 36
Swayog - Individual Business Loan 36.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 40.9% - 44.2% 42.1% - 46.6% 81
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