| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.sonataindia.com/ |
| Year established | 2006 |
| Head of Institution | Anup Kumar Singh |
| Regions active | 0 |
| # Branches | 121 |
| Total Portfolio (nat'l) | INR 905,699,293 |
| Total Portfolio (USD) | USD 20,126,650.96 |
| Active clients with loans | 128,606 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1999 |
| Head of Institution | Joseph S. K. Agamah |
| Regions active | Eastern Region, Ashanti Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 27,463 |
| Total Portfolio (USD) | USD 13,940.61 |
| Active clients with loans | 109 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | ASSFIN, GHAMFIN |
| Funders | ISODEC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 8,500 - 19,650 | 5.8 - 11.6 | 80% - 100% | 20% - 40% | Business | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual Loan | INR 20,000 - 35,000 | 12 - 24 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 200 - 3,000 | 4 - 9 | 0% - 20% | 0 | Business, Small-scale businesses | Women, Men, Have business, Must be an active farmer. , Must be a farmer group member, and live in the same community as the group. | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 29.5% | 29.5% - 31% | 30.6% - 32.4% | 95 | ||||||||||
| Individual Loan | 0% | 34% - 34.6% | 35.1% - 35.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 28.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 29.5% - 31% | 30.6% - 32.4% | 88 | ||||||||
| Individual Loan | 32.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 34% - 34.6% | 35.1% - 35.8% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 48.00% annual, Flat | 1 Fee | 0 | None | 33.30% upfront | 72.9% - 80.2% | 141.6% - 150.5% | 32 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 29.5% | 29.5% - 31% | 30.6% - 32.4% | 95 | ||||||||||
| Individual Loan | 0% | 34% - 34.6% | 35.1% - 35.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 28.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 29.5% - 31% | 30.6% - 32.4% | 88 | ||||||||
| Individual Loan | 32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 34% - 34.6% | 35.1% - 35.8% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 48.00% annual, Flat | 1 Fee | 0 | None | 33.30% upfront | 72.9% - 80.2% | 141.6% - 150.5% | 32 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
