Institution

Asmitha Microfin Limited 1-2-58, Plot No. 1-3N Block, Kakatiya Nagar, HabsigudaHyderabad, Andhra pradeshPO Box 500 007
Data approved: 2013-04-02
Data version: 2
Age of data: 79 months

Institution

EMPRETEC Ghana Foundation No. 24 Nii Amoah Loop East LegonEGF PMB GPOAccra, Greater Accra
Data approved: 2013-03-21
Data version: 2
Age of data: 79 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.asmithamicrofin.com/
Year established2001
Head of InstitutionDr. Vidya Sravanthi
Regions activeAndhra Pradesh, Bihar, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, West Bengal
# Branches509

Total Portfolio (nat'l)INR 12,057,425,495
Total Portfolio (USD)USD 227,498,594.20
Active clients with loans1,136,100
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSa-Dhan, MFIN, AKMI, MIX Market

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressn/a
Year established1990
Head of InstitutionKwabena Dankyi Darfoor
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Northern Region
# Branches4

Total Portfolio (nat'l)GHS 110,408
Total Portfolio (USD)USD 56,044.67
Active clients with loans273
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsGHAMFIN, ASSFIN, UNDP, UNCTAD/EMPRETEC Worldwide
FundersUNDP

Loan Products » Summary

1,114,873 Borrowers
USD 217,867,130.60 Portfolio
Active Product
Retired Product

Loan Products » Summary

263 Borrowers
USD 39,623.35 Portfolio
Active Product
10 Borrowers
USD 16,421.32 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Joint Laibility Group Loan (JLG Loan) INR 14,999 - 35,000 12 - 24 80% - 100% 0% - 20% Business Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, National Pension Scheme collabaration with LIC.

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microfinance Loan GHS 200 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business, Specific age group, Children and the very elderly are not eligible., Must be a member of a group or association. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health/Nutrition , Family Life

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
Joint Laibility Group Loan (JLG Loan) 25.7% - 26% 26.8% - 28.1% 29.3% - 30.5% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Joint Laibility Group Loan (JLG Loan) 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28.1% 29.3% - 30.5% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microfinance Loan 36.00% annual, Flat 2 Fees 0 None 10.00% upfront 69.3% - 70.3% 82.1% - 83.3% 43

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
Joint Laibility Group Loan (JLG Loan) 25.7% - 26% 26.8% - 28.1% 29.3% - 30.5% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Joint Laibility Group Loan (JLG Loan) 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28.1% 29.3% - 30.5% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microfinance Loan 36.00% annual, Flat 2 Fees 0 None 10.00% upfront 69.3% - 70.3% 82.1% - 83.3% 43
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