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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

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 106 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 TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

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

527 Borrowers
USD 102,699.48 Portfolio
Active Product
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
1,548 Borrowers
USD 28,206.06 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
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business 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
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

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
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26
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