2. L & T Finance
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. East Mamprusi
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 132 months
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Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 132 months
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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 TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionMr James Acquaye
Regions activeNorthern Region
# Branches3

Total Portfolio (nat'l)GHS 4,468,812
Total Portfolio (USD)USD 2,268,432.49
Active clients with loans13,801
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsUNDP, TRIAS GHANA, SPEED GHANA, Oxfam
FundersTRAIS, UNDP, SPEED, NORTHFIN

Loan Products » Summary

FY12
399,880 Borrowers
USD 37,199,066.91 Portfolio
Active Product
Gram Bandhu
Retired Product

Loan Products » Summary

CWE
6,836 Borrowers
USD 641,624.37 Portfolio
Active Product
Salary
5,600 Borrowers
USD 1,067,660.91 Portfolio
Active Product
Business
640 Borrowers
USD 327,512.69 Portfolio
Low Volume Product
Farming
725 Borrowers
USD 231,634.52 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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
Credit With Education (CWE) Loan GHS 200 - 1,000 6 - 8 80% - 100% 0% - 20% Business Women, Have business, Specific age group, Must be 18 years of age., Must have residence in the community near relevant branch. Credit Ins
Salary Loan GHS 500 - 15,000 6 - 36 40% - 60% 0% - 20% Consumer, Education Women, Men, Salaried worker Credit Ins, Overdraft

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
*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
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
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62

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
*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
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
Credit With Education (CWE) Loan 20.00% annual, Flat 0 Fees 0 Ins Ins None 20.00% upfront 67% 97.5% 20
Salary Loan 30.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 46.7% - 48.4% 46.7% - 48.4% 62
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