| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.wethepeople.co.in/ |
| Year established | 2005 |
| Head of Institution | Ajaya Mohapatra |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | INR 12,963,159 |
| Total Portfolio (USD) | USD 244,587.91 |
| Active clients with loans | 1,645 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.firstfinance.biz |
| Year established | 2009 |
| Head of Institution | Lim Hak Khoun (Kevin) |
| Regions active | Battambang, Kandal, Phnom PenhSiem Reap |
| # Branches | 3 |
| Total Portfolio (nat'l) | KHR 23,500,000,000 |
| Total Portfolio (USD) | USD 5,949,367.09 |
| Active clients with loans | 564 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Cambodian Microfinance Association (CMA) |
| Funders | First Home Plc, Insitor Fund SCA, Poems Pte Ltd |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | INR 7,000 - 10,000 | 6 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Credit Ins, Business Training, Other Training | |||||||
| Sukh Samridhi | INR 15,000 - 16,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women | Credit Educ, Credit Ins, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | USD 1,000 - 37,500 | 12 - 180 | 20% - 40% | 80% - 100% | Housing | Women, Men |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 0% | 31.5% | 39.5% | N/A | ||||||||||
| Sukh Samridhi | 0% | 30.8% | 41.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 500.00 upfront | 31.5% | 39.5% | 38 | ||||||||
| Sukh Samridhi | 15.0% annual, Flat | 0 Fees | 0 Ins | None | 1,000.00 upfront | 30.8% | 41.7% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 20% - 26.2% | 22% - 30.5% | 70 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 0% | 31.5% | 39.5% | N/A | ||||||||||
| Sukh Samridhi | 0% | 30.8% | 41.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 500.00 upfront | 31.5% | 39.5% | 38 | ||||||||
| Sukh Samridhi | 15.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 1,000.00 upfront | 30.8% | 41.7% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 20% - 26.2% | 22% - 30.5% | 70 |
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