| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.procredit.com.gh/ |
| Year established | 2002 |
| Head of Institution | Andre Radloff |
| Regions active | 0 |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 39,657,346 |
| Total Portfolio (USD) | USD 26,438,230.67 |
| Active clients with loans | 8,924 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | ProCredit Group |
| Funders | ProCredit Holding, Frankfurt- Germany, DOEN Foundation, Amsterdam |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.village.net.in |
| Year established | 2006 |
| Head of Institution | Kuldip Maity |
| Regions active | Bihar, West Bengal |
| # Branches | 96 |
| Total Portfolio (nat'l) | INR 1,020,993,623 |
| Total Portfolio (USD) | USD 19,264,030.62 |
| Active clients with loans | 175,408 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Loans | GHS 2,000 - 150,000 | 1 - 60 | 0% - 20% | 0% - 20% | ||||||||||
| Business Loans | GHS 2,000 - 45,000 | 3 - 48 | 40% - 60% | 80% - 100% | ||||||||||
| Personal Loan | 0 | 0 | 20% - 40% | 80% - 100% | ||||||||||
| ProCredit Line (Overdraft) | GHS 2,000 - 150,000 | 1 - 12 | 40% - 60% | 80% - 100% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pragati | INR 4,000 - 15,000 | 11.5 - 12.1 | 80% - 100% | 0% - 20% | Business | Women | Group Mtgs, Credit Ins | |||||||
| Samridhhi | INR 16,000 - 50,000 | 23.9 - 24.3 | 80% - 100% | 0% - 20% | Business | Women | Group Mtgs, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Loans | 30.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 43.8% - 54% | 43.8% - 54% | 63 | |||||||||
| Business Loans | 33.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins | N/A | 56.6% - 76.1% | 56.6% - 76.1% | 47 | |||||||||
| Personal Loan | 0.00% annual, 0 | 0 Fees | 0 Ins | 33.1% - 33.7% | 33.1% - 33.7% | |||||||||||
| ProCredit Line (Overdraft) | 39.60%-0.00% annual, Decl Bal | 2 Fees | 0 Ins | N/A | 0% | 0% |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pragati | 25.1% - 26.1% | 27.3% - 28.3% | 29.8% - 30.9% | Yes | Yes | Yes | 91 | |||||||
| Samridhhi | 22.6% - 26% | 23.7% - 27.1% | 26% - 29.5% | Yes | Yes | Yes | 95 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agro Loans | 30.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 43.8% - 54% | 43.8% - 54% | 63 | |||||||||
| Business Loans | 33.00%-0.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | N/A | 56.6% - 76.1% | 56.6% - 76.1% | 47 | |||||||||
| Personal Loan | 0.00% annual, 0 | 0 Fees | 0 Ins Ins | 33.1% - 33.7% | 33.1% - 33.7% | |||||||||||
| ProCredit Line (Overdraft) | 39.60%-0.00% annual, Decl Bal | 2 Fees | 0 Ins Ins | N/A | 0% | 0% |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pragati | 25.1% - 26.1% | 27.3% - 28.3% | 29.8% - 30.9% | Yes | Yes | Yes | 91 | |||||||
| Samridhhi | 22.6% - 26% | 23.7% - 27.1% | 26% - 29.5% | Yes | Yes | Yes | 95 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pragati | 23.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.3% - 28.3% | 29.8% - 30.9% | 76 | ||||||||
| Samridhhi | 23.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 23.7% - 27.1% | 26% - 29.5% | 83 |
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