| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.ujjivan.com/ |
| Year established | 2005 |
| Head of Institution | Samit Ghosh |
| Regions active | 0 |
| # Branches | 303 |
| Total Portfolio (nat'l) | INR 5,128,997,735 |
| Total Portfolio (USD) | USD 113,977,727.40 |
| Active clients with loans | 665,778 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Association of Karnataka Microfinance Inst (AKMI), Sa-Dhan, Microfinance Insitutions Network (MFIN), Women's World Banking |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.africangatesupport.com/ |
| Year established | 2008 |
| Head of Institution | Joris Eduamah |
| Regions active | Western Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 93,619 |
| Total Portfolio (USD) | USD 47,522.34 |
| Active clients with loans | 225 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders | Neurotical Ideas Ltd |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | INR 6,000 - 25,000 | 12 - 18 | 80% - 100% | 80% - 100% | Business | Women, Have business, Can also be taken for spouses/son's business | Credit Educ, Group Mtgs | |||||||
| Education Loan | INR 3,000 - 10,000 | 12 | 80% - 100% | 80% - 100% | Education, Can only be used for education | Women | Credit Educ, Group Mtgs | |||||||
| Emergency Loan | INR 2,000 - 2,000 | 6 | 80% - 100% | 80% - 100% | Other, Only for emergency use, Can NOT be used for business | Women | Group Mtgs | |||||||
| Family Loan | INR 6,000 - 25,000 | 12 | 80% - 100% | 80% - 100% | Housing, Consumer, Education, Other | Women | Credit Educ, Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 100 - 5,000 | 1 - 6 | 80% - 100% | 40% - 60% | Business, Housing, Consumer, Education | Women, Men | Group Mtgs, Business 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 0% | 27.2% | 29.6% | N/A | ||||||||||
| Education Loan | 0% | 24.1% | 24.8% | N/A | ||||||||||
| Emergency Loan | 0% | 23.8% | 23.8% | N/A | ||||||||||
| Family Loan | 0% | 27.2% | 29.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% | 29.6% | 88 | ||||||||
| Education Loan | 23.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 24.1% | 24.8% | 93 | ||||||||
| Emergency Loan | 25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 23.8% | 23.8% | 100 | ||||||||
| Family Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 27.2% | 29.6% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 72.00%-88.20% annual, Flat | 1 Fee | 0 | None | 20.00%- upfront | 168.1% - 207.8% | 242.2% - 311.7% | 25 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 0% | 27.2% | 29.6% | N/A | ||||||||||
| Education Loan | 0% | 24.1% | 24.8% | N/A | ||||||||||
| Emergency Loan | 0% | 23.8% | 23.8% | N/A | ||||||||||
| Family Loan | 0% | 27.2% | 29.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% | 29.6% | 88 | ||||||||
| Education Loan | 23.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 24.1% | 24.8% | 93 | ||||||||
| Emergency Loan | 25.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 23.8% | 23.8% | 100 | ||||||||
| Family Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 27.2% | 29.6% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 72.00%-88.20% annual, Flat | 1 Fee | 0 | None | 20.00%- upfront | 168.1% - 207.8% | 242.2% - 311.7% | 25 |
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