Institution

Saadhana Microfin Society # 50-760A-116, 02nd Floor,Gayatri EstatesKurnool, Andhra Pradesh518002
Data approved: 2010-11-15
Data version: 1
Age of data: 113 months

Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 82 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2001
Head of InstitutionM.Ernest Paul
Regions active
# Branches41

Total Portfolio (nat'l)INR 668,968,774
Total Portfolio (USD)USD 12,622,052.34
Active clients with loans90,929
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

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

89,438 Borrowers
USD 11,528,500 Portfolio
Active Product
1,491 Borrowers
USD 518,326.42 Portfolio
Active Product

Loan Products » Summary

CWE
6,836 Borrowers
USD 641,624.37 Portfolio
Active Product
5,600 Borrowers
USD 1,067,660.91 Portfolio
Active Product
640 Borrowers
USD 327,512.69 Portfolio
Low Volume Product
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
General Loan INR 8,000 - 22,000 12 80% - 100% 80% - 100% Business Women Credit Educ, Group Mtgs, Credit Ins
Micro Enterprise Development Loan INR 25,000 - 50,000 12 80% - 100% 80% - 100% Business Women Credit Educ, Group Mtgs, Credit Ins

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
General Loan 0% 26.2% - 27.7% 28.3% - 32.2% N/A
Micro Enterprise Development Loan 0% 27.6% - 27.8% 27.6% - 27.8% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 12.5% annual, Flat 1 Fee 1 Ins None N/A 26.2% - 27.7% 28.3% - 32.2% 41
Micro Enterprise Development Loan 12.5% annual, Flat 1 Fee 1 Ins None N/A 27.6% - 27.8% 27.6% - 27.8% 45

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
General Loan 0% 26.2% - 27.7% 28.3% - 32.2% N/A
Micro Enterprise Development Loan 0% 27.6% - 27.8% 27.6% - 27.8% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None N/A 26.2% - 27.7% 28.3% - 32.2% 41
Micro Enterprise Development Loan 12.5% annual, Flat 1 Fee 1 Ins Ins None N/A 27.6% - 27.8% 27.6% - 27.8% 45

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
Institution Price Graph
Institution Price Graph
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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