Institution

Janalakshmi Financial Services (P) Ltd. No. 302, 7th Cross, 4th Main, Domlur LayoutBangalore, Karnataka560071
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 

Institution

Sekam Trust International Tulaku, behind Amal BankPBM 16AF, Adenta FlatsAshaiman, Greater Accra
Data approved: 2013-03-15
Data version: 2
Age of data: 132 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions active0
# Branches19

Total Portfolio (nat'l)INR 1,667,106,026
Total Portfolio (USD)USD 37,046,800.58
Active clients with loans173,918
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sekamtrustghana.org/
Year established2008
Head of InstitutionSiegfried Kofi Gbadago
Regions activeGreater Accra Region
# Branches2

Total Portfolio (nat'l)GHS 271,000
Total Portfolio (USD)USD 137,563.45
Active clients with loans621
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsGCSCA, ASSFIN
FundersIntent Foundation

Loan Products » Summary

1,189 Borrowers
USD 272,796.29 Portfolio
Active Product
171,534 Borrowers
USD 35,678,590.44 Portfolio
Active Product

Loan Products » Summary

256 Borrowers
USD 63,451.78 Portfolio
Active Product
365 Borrowers
USD 74,111.68 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 50,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs Credit Educ
Small Group Loan INR 5,000 - 30,000 9 - 24 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Other Women, group members must live within each other's vicinity, must demonstrate capacity to repay Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan GHS 500 - 3,000 2 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Usually must have run a business for at least 3 years Credit Ins
Group Loan GHS 200 - 500 3 - 6 80% - 100% 0% - 20% Business, Housing, Education Women, Men, Have business Book keeping 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
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 60.00%-120.00% annual, Flat 2 Fees 1 Ins None 30.00% upfront 124.5% - 151.3% 230.8% - 268.3% 23
Group Loan 60.00%-96.00% annual, Flat 2 Fees 1 Ins None 20.00% upfront 174% - 180% 248.8% - 257.7% 23

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
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 60.00%-120.00% annual, Flat 2 Fees 1 Ins Ins None 30.00% upfront 124.5% - 151.3% 230.8% - 268.3% 23
Group Loan 60.00%-96.00% annual, Flat 2 Fees 1 Ins Ins None 20.00% upfront 174% - 180% 248.8% - 257.7% 23
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