| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2001 |
| Head of Institution | Mohammed A. Adams |
| Regions active | 0 |
| # Branches | 4 |
| Total Portfolio (nat'l) | GHS 931,520 |
| Total Portfolio (USD) | USD 621,013.33 |
| Active clients with loans | 10,500 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Association of Non-Governmental Organizations (ASSFIN), Ghana Microfinance Associtations Network (GHAMFIN) |
| Funders | Grameen Foundation, Cordaid, Planet Finance |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.satincreditcare.com/ |
| Year established | 1990 |
| Head of Institution | H P Singh |
| Regions active | Bihar, Haryana, Madhya PradeshPunjab, Uttar Pradesh, Uttarakhand, Chandigarh, National Capital Territory of Delhi |
| # Branches | 158 |
| Total Portfolio (nat'l) | INR 4,779,248,793 |
| Total Portfolio (USD) | USD 90,174,505.53 |
| Active clients with loans | 428,995 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MFIN, Sa-Dhan |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | GHS 400 - 1,000 | 6 - 12 | 20% - 40% | 0% - 20% | ||||||||||
| Basic Loan | GHS 50 - 500 | 4 - 6 | 80% - 100% | 0% - 20% | ||||||||||
| Grain Banking | GHS 400 - 1,000 | 6 - 12 | 80% - 100% | 0% - 20% | ||||||||||
| Processing Loan | GHS 600 - 1,000 | 6 - 10 | 80% - 100% | 0% - 20% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan - Urban | INR 20,000 - 50,000 | 12 - 30 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Med HH Inc, Urban HH | Credit Educ | |||||||
| Income Generation Loan (Rural) | INR 8,000 - 25,000 | 15 - 26 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Rural HH | Credit Educ, Group Mtgs, Credit Education, Financial Literacy Training. , Group Meeting |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 34.4% | 34.4% | 87 | |||||||||
| Basic Loan | 36.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 68.8% - 84.3% | 68.8% - 84.3% | 48 | |||||||||
| Grain Banking | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 42.3% | 42.3% | 70 | |||||||||
| Processing Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins | N/A | 49.8% | 49.8% | 60 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan - Urban | 22.3% - 23.5% | 22.3% - 23.5% | 22.3% - 23.5% | Yes | Yes | Yes | 100 | |||||||
| Income Generation Loan (Rural) | 25.8% - 27.9% | 26.9% - 29.6% | 29.6% - 32.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan - Urban | 22.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.3% - 23.5% | 22.3% - 23.5% | 95 | ||||||||
| Income Generation Loan (Rural) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.9% - 29.6% | 29.6% - 32.3% | 79 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Business Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 34.4% | 34.4% | 87 | |||||||||
| Basic Loan | 36.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 68.8% - 84.3% | 68.8% - 84.3% | 48 | |||||||||
| Grain Banking | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 42.3% | 42.3% | 70 | |||||||||
| Processing Loan | 30.00%-0.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 49.8% | 49.8% | 60 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan - Urban | 22.3% - 23.5% | 22.3% - 23.5% | 22.3% - 23.5% | Yes | Yes | Yes | 100 | |||||||
| Income Generation Loan (Rural) | 25.8% - 27.9% | 26.9% - 29.6% | 29.6% - 32.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan - Urban | 22.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 22.3% - 23.5% | 22.3% - 23.5% | 95 | ||||||||
| Income Generation Loan (Rural) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.9% - 29.6% | 29.6% - 32.3% | 79 |
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