Institution

M Power Micro Finance Pvt Ltd 3 , Sai Santosh ComplexNear Harinagar Water Tank , Gotri RoadVadodara, Gujarat390021
Data approved: 2013-05-11
Data version: 1
Age of data: 131 months

Institution

Union Rural Bank Limited P.O.Box5Senya- Bereku, Central Region233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.mpowermicro.com/
Year established2009
Head of InstitutionMr K M Vishawanathan
Regions activeGujarat
# Branches6

Total Portfolio (nat'l)INR 119,954,038
Total Portfolio (USD)USD 2,263,283.74
Active clients with loans13,665
Approximate % female clients100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN, CARE

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionPaul Kojo Kombian
Regions active0
# Branches7

Total Portfolio (nat'l)GHS 4,045,746
Total Portfolio (USD)USD 2,697,164
Active clients with loans9,050
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB APEX, GHAMFIN, Freedom from Hunger
FundersOikoCredit, SPEED Ghana, ARB APEX BANK

Loan Products » Summary

SBL
4,760 Borrowers
USD 692,855.87 Portfolio
Active Product
HCL
8,905 Borrowers
USD 1,570,427.87 Portfolio
Active Product

Loan Products » Summary

1,413 Borrowers
USD 478,577 Portfolio
Active Product
7,637 Borrowers
USD 2,218,587 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Samruddhi Business Loan INR 12,000 - 15,000 12 100% 40% - 60% Business Women, Low HH Inc, Med HH Inc Group Mtgs, Credit Ins
Hariyali Cattle Loan INR 15,000 - 15,000 12 100% 0% Business Women, Low HH Inc, Med HH Inc Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 5,000 4 - 6 80% - 100% 40% - 60%
Personal Loan GHS 100 - 23,000 1 - 36 60% - 80% 40% - 60%

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
Samruddhi Business Loan 27% 29.2% 32.2% Yes Yes Yes 100
Hariyali Cattle Loan 27% - 27.1% 29.2% - 29.3% 32.2% - 32.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Samruddhi Business Loan 27.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.2% 32.2% 84
Hariyali Cattle Loan 27.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.2% - 29.3% 32.2% - 32.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00%-0.00% annual, Flat 1 Fee 0 Ins 97.9% - 106.1% 116% - 125.6% 39
Personal Loan 32.00%-0.00% annual, Flat 1 Fee 1 Ins 63.5% - 114.7% 78.4% - 143.9% 32

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
Samruddhi Business Loan 27% 29.2% 32.2% Yes Yes Yes 100
Hariyali Cattle Loan 27% - 27.1% 29.2% - 29.3% 32.2% - 32.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Samruddhi Business Loan 27.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 29.2% 32.2% 84
Hariyali Cattle Loan 27.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 29.2% - 29.3% 32.2% - 32.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 97.9% - 106.1% 116% - 125.6% 39
Personal Loan 32.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 63.5% - 114.7% 78.4% - 143.9% 32
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