| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asomi.co.in/ |
| Year established | 2008 |
| Head of Institution | Subhrajyoti Bharali |
| Regions active | |
| # Branches | 50 |
| Total Portfolio (nat'l) | INR 251,500,000 |
| Total Portfolio (USD) | USD 4,745,283.02 |
| Active clients with loans | 50,326 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.kmbi.org.ph/ |
| Year established | 1986 |
| Head of Institution | Damiana D. Exiomo |
| Regions active | |
| # Branches | 71 |
| Total Portfolio (nat'l) | PhP 631,134,086 |
| Total Portfolio (USD) | USD 15,098,901.58 |
| Active clients with loans | 245,017 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Microfinance Council of the Philippines, Inc., Alliance of Philippine Partners in Enterprise Development (APPEND), Opportunity International Network (OIN), Banking with the Poor (BWTP) |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | INR 25,000 - 50,000 | 10 - 12 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
| SHG Loan | INR 5,000 - 25,000 | 12 | 60% - 80% | 0% - 20% | Business | Women | Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | PHP 4,000 - 20,000 | 6 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 40.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 85.7% - 93.8% | 107.7% - 135.2% | 33 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 40.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 85.7% - 93.8% | 107.7% - 135.2% | 33 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
