| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1995 |
| Head of Institution | Susan Layug |
| Regions active | |
| # Branches | 14 |
| Total Portfolio (nat'l) | PhP 153,670,019 |
| Total Portfolio (USD) | USD 3,676,316.24 |
| Active clients with loans | 59,311 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | APPEND |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sharemicrofin.com/ |
| Year established | 2000 |
| Head of Institution | Mr. M. Udaia Kumar |
| Regions active | Andhra Pradesh, Assam, Bihar, Chhattisgarh, Gujarat, Haryana, Himachal PradeshJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, National Capital Territory of Delhi |
| # Branches | 896 |
| Total Portfolio (nat'l) | INR 20,895,693,066 |
| Total Portfolio (USD) | USD 394,258,359.70 |
| Active clients with loans | 2,227,675 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN, WWB, Alpha |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PHP 10,000 - 150,000 | 6 | 0% - 20% | 0% - 20% | Business | Women, Men, Involved in palay production | Credit Ins, Formation Program, Provision of Social Services (medical mission, etc.) | |||||||
| Group Loan | PHP 5,000 - 50,000 | 6 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Formation Program, Provision of Social Services (medical mission, etc.) | |||||||
| Individual Loan | PHP 10,000 - 150,000 | 6 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Ins, Business Training, Formation Program, Provision of Social Services (medical mission, etc.) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | INR 12,000 - 25,000 | 12 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Qualify for a test on Financial education , Training provided on Financial education | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Health Insurance Services , National Pension Scheme collabaration with LIC |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 32.0% annual, Flat | 1 Fee | 2 Ins | None | 5.00% ongoing | 41.3% - 43.1% | 52.2% - 71.4% | 51 | ||||||||
| Group Loan | 32.0% annual, Flat | 2 Fees | 1 Ins | None | 5.0% upfront 50.00 ongoing | 83.1% | 101% - 122.1% | 29 | ||||||||
| Individual Loan | 32.0% annual, Flat | 2 Fees | 1 Ins | None | 5.0% upfront 50.00 ongoing | 81.4% - 88.1% | 93.9% - 137.1% | 29 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 25.4% - 26% | 27.5% - 28.1% | 29.9% - 30.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.5% - 28.1% | 29.9% - 30.5% | 79 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 32.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.00% ongoing | 41.3% - 43.1% | 52.2% - 71.4% | 51 | ||||||||
| Group Loan | 32.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 5.0% upfront 50.00 ongoing | 83.1% | 101% - 122.1% | 29 | ||||||||
| Individual Loan | 32.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 5.0% upfront 50.00 ongoing | 81.4% - 88.1% | 93.9% - 137.1% | 29 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 25.4% - 26% | 27.5% - 28.1% | 29.9% - 30.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Liability Group Loan | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.5% - 28.1% | 29.9% - 30.5% | 79 |
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