| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.tridentmicrofin.com/ |
| Year established | 2007 |
| Head of Institution | KISHORE KUMAR PULI |
| Regions active | 0 |
| # Branches | 60 |
| Total Portfolio (nat'l) | INR 1,386,607,288 |
| Total Portfolio (USD) | USD 30,813,495.29 |
| Active clients with loans | 174,873 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1997 |
| Head of Institution | Mr James Acquaye |
| Regions active | Northern Region |
| # Branches | 3 |
| Total Portfolio (nat'l) | GHS 4,468,812 |
| Total Portfolio (USD) | USD 2,268,432.49 |
| Active clients with loans | 13,801 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | UNDP, TRIAS GHANA, SPEED GHANA, Oxfam |
| Funders | TRAIS, UNDP, SPEED, NORTHFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri Allied Loans | INR 16,000 - 20,000 | 18 - 36 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins | |||||||
| Crop Loans to Farmer Groups | INR 6,000 - 25,000 | 10 - 12 | 0% - 20% | 0% - 20% | Business, Loan is given for inputs required for harvesting | Women, Men, Have home or land, The loan is also given to clients in rented accomadation who have stayed in that locality for more t, Out of a group of 5 members ,4 members should have own house | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Group Loan for Women Monthly | INR 6,000 - 18,000 | 18 | 80% - 100% | 0% - 20% | Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities | Women, The loan is also given to clients in rented accomadation who have stayed in that locality for more t | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Group Loan for Women Weekly | INR 6,000 - 18,000 | 11.5 - 12 | 80% - 100% | 40% - 60% | Business, Housing, Consumer, Education, Other, 90% of loans used for income generating activities | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual Micro Enterprise Loans | INR 16,000 - 100,000 | 18 - 36 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins, Other Training | |||||||
| Personal Loan to Employees | INR 16,000 - 100,000 | 18 - 36 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Credit Ins |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri Allied Loans | 0% | 0% | 0% | N/A | ||||||||||
| Crop Loans to Farmer Groups | 0% | 0% | 0% | N/A | ||||||||||
| Group Loan for Women Monthly | 0% | 0% | 0% | N/A | ||||||||||
| Group Loan for Women Weekly | 0% | 0% | 0% | N/A | ||||||||||
| Individual Micro Enterprise Loans | 0% | 0% | 0% | N/A | ||||||||||
| Personal Loan to Employees | 0% | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri Allied Loans | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Crop Loans to Farmer Groups | 21.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 0% | 0% | N/A | ||||||||
| Group Loan for Women Monthly | 12.5%-15.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 0% | 0% | N/A | ||||||||
| Group Loan for Women Weekly | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Individual Micro Enterprise Loans | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Personal Loan to Employees | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri Allied Loans | 0% | 0% | 0% | N/A | ||||||||||
| Crop Loans to Farmer Groups | 0% | 0% | 0% | N/A | ||||||||||
| Group Loan for Women Monthly | 0% | 0% | 0% | N/A | ||||||||||
| Group Loan for Women Weekly | 0% | 0% | 0% | N/A | ||||||||||
| Individual Micro Enterprise Loans | 0% | 0% | 0% | N/A | ||||||||||
| Personal Loan to Employees | 0% | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri Allied Loans | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Crop Loans to Farmer Groups | 21.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 0% | 0% | N/A | ||||||||
| Group Loan for Women Monthly | 12.5%-15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 0% | 0% | N/A | ||||||||
| Group Loan for Women Weekly | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Individual Micro Enterprise Loans | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Personal Loan to Employees | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
| 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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