Institution

CRAN Microfinance Head OfficeCape Coast, CentralP.O. Box UC 97
Data approved: 2013-02-18
Data version: 2
Age of data: 132 months

Institution

Grama Vidiyal Microfinance Limited 2A Sathiya Illam,10th cross, Alli street,Annamalai NagarTrichy, Tamil Nadu620018
Data approved: 2013-05-06
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.cranmicrofinance.org
Year established1993
Head of InstitutionDr. Patrick Agbesingale
Regions activeCentral Region, Western Region, Volta Region
# Branches5

Total Portfolio (nat'l)GHS 2,008,192
Total Portfolio (USD)USD 1,019,386.80
Active clients with loans3,613
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, GAMC
FundersCORDAID, TERA JANE, KIVA

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.gvmfl.com/
Year established1986
Head of InstitutionMr.S.Devaraj, Chairman and Managing Director
Regions activeMadhya Pradesh, Maharashtra, Tamil Nadu, Puducherry
# Branches285

Total Portfolio (nat'l)INR 5,411,394,265
Total Portfolio (USD)USD 102,101,778.60
Active clients with loans738,218
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMFIN, Sadhan, MIX

Loan Products » Summary

3,234 Borrowers
USD 796,932.99 Portfolio
Active Product
379 Borrowers
USD 222,453.30 Portfolio
Active Product

Loan Products » Summary

IGL
738,218 Borrowers
USD 102,101,778.60 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans GHS 200 - 3,000 4 - 12 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Savings promotion
Individual Loan GHS 200 - 10,000 6 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Credit Ins, Savings promotion

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 10,000 - 15,000 6 - 12 100% 20% - 40% Business Women Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 42.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 73.3% - 73.5% 112.8% - 114% 37
Individual Loan 42.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 72.3% - 73.5% 106.1% - 112% 37

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
General Loan 23.3% - 23.7% 25.4% - 27.9% 27.5% - 31.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.4% - 27.9% 27.5% - 31.4% 87

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 42.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 73.3% - 73.5% 112.8% - 114% 37
Individual Loan 42.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 72.3% - 73.5% 106.1% - 112% 37

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
General Loan 23.3% - 23.7% 25.4% - 27.9% 27.5% - 31.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25.4% - 27.9% 27.5% - 31.4% 87
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Institution Price Graph
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Key Statistics
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