Institution

Growing Opportunity Finance (India) Pvt. Ltd. No.12, Ramasamy Street, I FloorT. NagarChennai, Tamil Nadu600017
Data approved: 2011-01-01
Data version: 1
Age of data: 113 months

Institution

Association of Progressive Entrepreneurs in Development Head OfficeAccraP.O. Box CT 78 PMB
Data approved: 2013-02-15
Data version: 2
Age of data: 82 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.gopportunity.net/
Year established2006
Head of InstitutionMr. James. A. Reiff
Regions active
# Branches13

Total Portfolio (nat'l)INR 280,000,000
Total Portfolio (USD)USD 5,283,018.87
Active clients with loans65,000
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.worldvision.org/
Year established2001
Head of InstitutionSpencer Badu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches7

Total Portfolio (nat'l)GHS 3,697,508
Total Portfolio (USD)USD 1,876,907.61
Active clients with loans13,774
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, Vision Fund International
FundersWorld Vision International, Vision Fund International

Loan Products » Summary

1,205 Borrowers
USD 37,735.85 Portfolio
Active Product
31,727 Borrowers
USD 2,376,169.81 Portfolio
Active Product
800 Borrowers
USD 37,735.85 Portfolio
Active Product
31,539 Borrowers
USD 2,936,358.49 Portfolio
Active Product

Loan Products » Summary

3,045 Borrowers
USD 332,219.31 Portfolio
Active Product
10,729 Borrowers
USD 1,544,688.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livestock Loan INR 12,000 - 20,000 12 - 24 80% - 100% 0% - 20% Business, Only for purchase of farm animals Women Group Mtgs, Other Training, Training from veterinarian, Health / Social Issue Training
Rural Trust Bank INR 3,000 - 15,000 6 - 12 80% - 100% 0% - 20% Business Women, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health / Social Issue Training
Student Loan INR 3,000 - 5,000 12 80% - 100% 60% - 80% Business, Education Women, Must have children of a qualified age in school, Must have completed one loan cycle with the MFI Other Training, Scholarships are available, some reserved for top scorers and others reserved for female students
Urban Trust Bank INR 3,000 - 25,000 6 - 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health / Social Issue Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Farmer Loan GHS 300 - 7,000 6 - 8 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training, Extention Services
Working Capital Loan GHS 800 - 8,500 4 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training

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
Livestock Loan 0% 25.5% - 25.7% 25.5% - 25.7% N/A
Rural Trust Bank 0% 30.4% - 39.3% 30.4% - 39.3% N/A
Student Loan 0% 28.3% - 28.6% 28.3% - 28.6% N/A
Urban Trust Bank 0% 29.2% - 42.3% 29.2% - 42.3% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 12.0% annual, Flat 1 Fee 0 Ins None N/A 25.5% - 25.7% 25.5% - 25.7% 47
Rural Trust Bank 12.0%-15.0% annual, Flat 1 Fee 1 Ins None N/A 30.4% - 39.3% 30.4% - 39.3% 34
Student Loan 15.0% annual, Flat 1 Fee 0 Ins None N/A 28.3% - 28.6% 28.3% - 28.6% 52
Urban Trust Bank 12.0%-15.5% annual, Flat 1 Fee 1 Ins None N/A 29.2% - 42.3% 29.2% - 42.3% 33

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24

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
Livestock Loan 0% 25.5% - 25.7% 25.5% - 25.7% N/A
Rural Trust Bank 0% 30.4% - 39.3% 30.4% - 39.3% N/A
Student Loan 0% 28.3% - 28.6% 28.3% - 28.6% N/A
Urban Trust Bank 0% 29.2% - 42.3% 29.2% - 42.3% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 12.0% annual, Flat 1 Fee 0 Ins Ins None N/A 25.5% - 25.7% 25.5% - 25.7% 47
Rural Trust Bank 12.0%-15.0% annual, Flat 1 Fee 1 Ins Ins None N/A 30.4% - 39.3% 30.4% - 39.3% 34
Student Loan 15.0% annual, Flat 1 Fee 0 Ins Ins None N/A 28.3% - 28.6% 28.3% - 28.6% 52
Urban Trust Bank 12.0%-15.5% annual, Flat 1 Fee 1 Ins Ins None N/A 29.2% - 42.3% 29.2% - 42.3% 33

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24
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