Institution

L & T Finance Ltd 3rd Floor, Metropolitan, Bandra East, BKCMumbai, MaharastraPO Box 400051
Data approved: 2012-12-19
Data version: 2
Age of data: 79 months

Institution

DAASGIFT Quality Foundation - FNGO Head OfficeTakoradi, WesternPO Box TD 1369
Data approved: 2013-05-27
Data version: 2
Age of data: 79 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.ltfinance.com/
Year established1994
Head of InstitutionDinanath Dubhashi
Regions activeAndhra Pradesh, Gujarat, Karnataka, Maharashtra, Orissa, Tamil Nadu, West Bengal
# Branches74

Total Portfolio (nat'l)INR 1,971,550,546
Total Portfolio (USD)USD 37,199,066.91
Active clients with loans399,880
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMFIN

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.daasgift.org/
Year established2006
Head of InstitutionMrs Gifty Baaba Asmah
Regions activeWestern Region
# Branches2

Total Portfolio (nat'l)GHS 254,310
Total Portfolio (USD)USD 129,091.37
Active clients with loans3,862
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, AGSI, Microcredit Summit Campaign
FundersE&CO, CHF International, Global Giving, Coastal Resource Centre

Loan Products » Summary

399,880 Borrowers
USD 37,199,066.91 Portfolio
Active Product
Retired Product

Loan Products » Summary

1,120 Borrowers
USD 41,868.02 Portfolio
Active Product
632 Borrowers
USD 21,416.24 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
JLG_FY12 INR 5,000 - 15,000 12 100% 0% - 20% Business Women, Have business, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Energy (Clean Cookstoves) GHS 100 - 2,000 3 - 6 80% - 100% 60% - 80% Business, Consumer Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Energy (Solar Lanterns) GHS 80 - 950 3 - 6 40% - 60% 80% - 100% Business, Consumer Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

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
JLG_FY12 21.9% - 23.7% 23.7% - 25.5% 24% - 25.7% Yes Yes NA 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
JLG_FY12 22.0% annual, Decl Bal 1 Fee 0 12.36% fees N/A 23.7% - 25.5% 24% - 25.7% 90

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Energy (Clean Cookstoves) 24.00%-36.00% annual, Flat 0 Fees 0 Ins None N/A 66.5% - 68.1% 66.5% - 68.1% 35
Energy (Solar Lanterns) 24.00%-36.00% annual, Flat 0 Fees 0 Ins None 10.00% upfront 39.3% - 59.1% 46.7% - 70% 41

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
JLG_FY12 21.9% - 23.7% 23.7% - 25.5% 24% - 25.7% Yes Yes NA 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
JLG_FY12 22.0% annual, Decl Bal 1 Fee 0 12.36% fees N/A 23.7% - 25.5% 24% - 25.7% 90

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Energy (Clean Cookstoves) 24.00%-36.00% annual, Flat 0 Fees 0 Ins Ins None N/A 66.5% - 68.1% 66.5% - 68.1% 35
Energy (Solar Lanterns) 24.00%-36.00% annual, Flat 0 Fees 0 Ins Ins None 10.00% upfront 39.3% - 59.1% 46.7% - 70% 41
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