2. Grama Vidiyal
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. OIBM
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grama Vidiyal Microfinance Limited 2A Sathiya Illam,10th cross, Alli street,Annamalai NagarTrichy, Tamil Nadu620018
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 137 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.gvmfl.com/
Year established1986
Head of InstitutionMr.S.Devaraj, Chairman and Managing Director
Regions active0
# Branches227

Total Portfolio (nat'l)INR 6,051,556,728
Total Portfolio (USD)USD 134,479,038.40
Active clients with loans772,050
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Loan Products » Summary

Business Loan
23,162 Borrowers
USD 7,193,388.27 Portfolio
Active Product
IGL
733,447 Borrowers
USD 119,210,609.10 Portfolio
Active Product
Seasonal Loan
15,441 Borrowers
USD 8,075,041 Portfolio
Active Product

Loan Products » Summary

Agriculture
10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
Maziko
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
Mzati
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
Payroll
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan INR 25,000 - 50,000 12 80% - 100% 20% - 40% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
General Loan INR 9,000 - 18,000 12 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan INR 1,000 - 3,000 5 80% - 100% 20% - 40% Business, Consumer, Education, Other Women Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan MWK 200,000 - 50,000,000 3 - 48 20% - 40% 0% - 20% Business Women, Men, Running a farming enterprise Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan MWK 140,000 - 2,800,000 4 - 9 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan MWK 50,000 - 1,000,000 3 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Must have assets as collateral Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan MWK 15,000 - 4,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker, Age must be above 18 years Credit Ins

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
Business Loan 0% 32.7% - 33.3% 32.7% - 33.3% N/A
General Loan 0% 31.9% - 32.5% 31.9% - 32.5% N/A
Seasonal Loan 0% 39.2% - 39.9% 39.2% - 39.9% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 12.0% annual, Flat 0 Fees 0 Ins None N/A 32.7% - 33.3% 32.7% - 33.3% 36
General Loan 12.0% annual, Flat 0 Fees 0 Ins None N/A 31.9% - 32.5% 31.9% - 32.5% 37
Seasonal Loan 0.0% annual, Flat 0 Fees 0 Ins None N/A 39.2% - 39.9% 39.2% - 39.9% 0

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

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
Business Loan 0% 32.7% - 33.3% 32.7% - 33.3% N/A
General Loan 0% 31.9% - 32.5% 31.9% - 32.5% N/A
Seasonal Loan 0% 39.2% - 39.9% 39.2% - 39.9% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 12.0% annual, Flat 0 Fees 0 Ins Ins None N/A 32.7% - 33.3% 32.7% - 33.3% 36
General Loan 12.0% annual, Flat 0 Fees 0 Ins Ins None N/A 31.9% - 32.5% 31.9% - 32.5% 37
Seasonal Loan 0.0% annual, Flat 0 Fees 0 Ins Ins None N/A 39.2% - 39.9% 39.2% - 39.9% 0

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100
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