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. ID-Ghana
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

Initiative Development-Ghana P.O. Box GP 19382Stephens Close, Dansoman SNNIT Flats, Opposite Block 15Accra, AccraGP
Data approved: 2011-12-07
Data version: 1
Age of data: -   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 TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.idghana.org/
Year established1998
Head of InstitutionStephen Mawuli Kwesi Dugbazah
Regions active0
# Branches5

Total Portfolio (nat'l)GHS 799,453
Total Portfolio (USD)USD 532,968.67
Active clients with loans4,559
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ASSFIN, AMT
FundersEntrepreneurs du monde, Air liquide, Technip, French Embassy

Loan Products » Summary

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

Loan Products » Summary

Front Desk
281 Borrowers
USD 40,579 Portfolio
Active Product
Kick Start
108 Borrowers
USD 2,135 Portfolio
Active Product
Onipa Nua
4,258 Borrowers
USD 544,053 Portfolio
Active 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
Front Desk GHS 100 - 3,000 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Business Training, Other Training
Kick Start GHS 20 - 100 6 80% - 100% 80% - 100% Business Women Credit Educ, Group Mtgs, Business Training, Other Training
Onipa Nua (Each other's keepers) GHS 100 - 2,500 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, 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
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
Front Desk 36.0% annual, Flat 1 Fee 0 Ins None N/A 68.4% - 76.5% 68.4% - 76.5% 48
Kick Start 0.0% annual, Flat 0 Fees 0 Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins None N/A 65.6% - 66.3% 65.6% - 66.3% 54

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
Front Desk 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.4% - 76.5% 68.4% - 76.5% 48
Kick Start 0.0% annual, Flat 0 Fees 0 Ins Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 65.6% - 66.3% 65.6% - 66.3% 54
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