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Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, Karnataka56003
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 

Institution

Mbinga Community Bank Ltd Head QuartersMbinga, RuvumaPO Box 290
Data approved: 2013-03-20
Data version: 2
Age of data: 127 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.ujjivan.com/
Year established2005
Head of InstitutionSamit Ghosh
Regions active0
# Branches303

Total Portfolio (nat'l)INR 5,128,997,735
Total Portfolio (USD)USD 113,977,727.40
Active clients with loans665,778
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsAssociation of Karnataka Microfinance Inst (AKMI), Sa-Dhan, Microfinance Insitutions Network (MFIN), Women's World Banking

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionShedehva Optat
Regions activeRuvuma
# Branches1

Total Portfolio (nat'l)TZS 4,748,143,743
Total Portfolio (USD)USD 2,986,253.93
Active clients with loans1,069.80
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsCommunity Bank Association
FundersFinancial Sector Deepening, Agricultural Trust Fund

Loan Products » Summary

1,779,253 Borrowers
USD 98,518,778 Portfolio
Active Product
15,770 Borrowers
USD 545,976 Portfolio
Active Product
191,591 Borrowers
USD 94,071 Portfolio
Active Product
420,037 Borrowers
USD 26,949,155 Portfolio
Active Product

Loan Products » Summary

86 Borrowers
USD 186,986.65 Portfolio
Active Product
58 Borrowers
USD 1,104,205.77 Portfolio
Active Product
882.70 Borrowers
USD 1,695,061.51 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Salary Loan TZS 300,000 - 6,000,000 12 60% - 80% 40% - 60% Any Purpose Women, Men, Salaried worker Group Mtgs, Business Training
Small Business Loan TZS 1,000,000 - 45,000,000 3 - 18 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Solidarity Group Loan TZS 500,000 - 3,500,000 1 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Must run agricultural activities or business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

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
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

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Salary Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 48.7% - 57.2% 50% - 59.8% 41
Small Business Loan 10.00%-24.00% annual, Flat 3 Fees 1 Ins None N/A 58.6% - 71.7% 61.2% - 77% 15
Solidarity Group Loan 10.00%-30.00% annual, Flat 2 Fees 1 Ins None 30.00% upfront 14.2% - 94.9% 22.9% - 242.9% 8

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
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

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Salary Loan 24.00% annual, Flat 2 Fees 1 Ins Ins None N/A 48.7% - 57.2% 50% - 59.8% 41
Small Business Loan 10.00%-24.00% annual, Flat 3 Fees 1 Ins Ins None N/A 58.6% - 71.7% 61.2% - 77% 15
Solidarity Group Loan 10.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 30.00% upfront 14.2% - 94.9% 22.9% - 242.9% 8
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