| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.sharemicrofin.com/ |
| Year established | 2000 |
| Head of Institution | Mr. M. Udaia Kumar |
| Regions active | 0 |
| # Branches | 990 |
| Total Portfolio (nat'l) | INR 22,076,816,363 |
| Total Portfolio (USD) | USD 490,595,919.20 |
| Active clients with loans | 2,807,147 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN, WWB, Alpha |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.microfinplusghana.org/ |
| Year established | 2007 |
| Head of Institution | Ishmael.k.otchere |
| Regions active | Central Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 495,574.03 |
| Total Portfolio (USD) | USD 259,462.84 |
| Active clients with loans | 1,110 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | GHAMFIN |
| Funders | Plan Ghana, Barclays |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | INR 2,000 - 25,000 | 12 | 80% - 100% | 0% - 20% | Business, only for Income Generating Activities | Women, Have business, Have home or land, Qualify for a test on Financial education , Training provided on Financial education | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
| Micro Enterprise Loan | INR 15,000 - 300,000 | 6 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land | ||||||||
| Personal Loans | INR 9,000 - 99,000 | 6 - 24 | 20% - 40% | 20% - 40% | Any Purpose | Women, Men, Have home or land, Salaried worker |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | GHS 50 - 2,000 | 3 - 6 | 80% - 100% | 0% - 20% | Business, Consumer | Women, Men, Maximum amount of men permitted in group - 20%. | Credit Educ, Other Training, Malaria prevention training |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 34.8% | 34.8% | 35.9% | 100 | ||||||||||
| Micro Enterprise Loan | 0% | 27.4% - 33.7% | 28.4% - 35% | N/A | ||||||||||
| Personal Loans | 0% | 28.1% - 30% | 28.9% - 30.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 19.8%-24.6% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 34.8% | 35.9% | 55 | ||||||||
| Micro Enterprise Loan | 24.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 27.4% - 33.7% | 28.4% - 35% | 80 | ||||||||
| Personal Loans | 24.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 28.1% - 30% | 28.9% - 30.8% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | 45.00% annual, Flat | 2 Fees | 1 Ins | None | 15.00% upfront | 86.4% - 91.3% | 124.3% - 133.3% | 35 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 34.8% | 34.8% | 35.9% | 100 | ||||||||||
| Micro Enterprise Loan | 0% | 27.4% - 33.7% | 28.4% - 35% | N/A | ||||||||||
| Personal Loans | 0% | 28.1% - 30% | 28.9% - 30.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 19.8%-24.6% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 34.8% | 35.9% | 55 | ||||||||
| Micro Enterprise Loan | 24.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 27.4% - 33.7% | 28.4% - 35% | 80 | ||||||||
| Personal Loans | 24.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 28.1% - 30% | 28.9% - 30.8% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| M-Hope | 45.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.00% upfront | 86.4% - 91.3% | 124.3% - 133.3% | 35 |
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