Institution

Maranding Women Investors Multipurpose Cooperative 2nd Floor, Fabian Flores Cultural CenterMarandingLala, Lanao del Norte/Region X9211
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Institution

Asmitha Microfin Limited 1-2-58, Plot No. 1-3N Block, Kakatiya Nagar, HabsigudaHyderabad, Andhra pradeshPO Box 500 007
Data approved: 2013-04-02
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionMARILOU BANDING
Regions active
# Branches10

Total Portfolio (nat'l)PhP 79,034,409.97
Total Portfolio (USD)USD 1,890,775.36
Active clients with loans12,093
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsLZMCN, Philippine Federation of Credit Coopertives, Philippine Federation of Women In Coopertaives, COOP LIFE Assurance Society of the Philippines
FundersOikocredit, Seedfinance, Landbank of the Philippines (LBP), NLDC

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.asmithamicrofin.com/
Year established2001
Head of InstitutionDr. Vidya Sravanthi
Regions activeAndhra Pradesh, Bihar, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, West Bengal
# Branches509

Total Portfolio (nat'l)INR 12,057,425,495
Total Portfolio (USD)USD 227,498,594.20
Active clients with loans1,136,100
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsSa-Dhan, MFIN, AKMI, MIX Market

Loan Products » Summary

5,000 Borrowers
USD 972,776.16 Portfolio
Active Product
104 Borrowers
USD 12,775.12 Portfolio
Active Product
2,400 Borrowers
USD 44,569.38 Portfolio
Active Product
4,364 Borrowers
USD 710,271.15 Portfolio
Active Product

Loan Products » Summary

1,114,873 Borrowers
USD 217,867,130.60 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loan PHP 5,000 - 300,000 6 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, Specific age group, 18-69 y.o., CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
KAPA Loan PHP 10,000 - 40,000 3 - 6 80% - 100% 0% - 20% Agriculture Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o., CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Life Protection Loan PHP 1,380 - 1,380 4 - 8 80% - 100% 0% - 20% Life Insurance Women, Men, Specific age group, 18-64 y.o, CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Trinity Loan PHP 6,200 - 12,400 2 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o. , CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Joint Laibility Group Loan (JLG Loan) INR 14,999 - 35,000 12 - 24 80% - 100% 0% - 20% Business Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, National Pension Scheme collabaration with LIC.

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan 36.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 41% - 69.2% 40.8% - 121.3% 47
KAPA Loan 36.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 90.00 ongoing 37% - 53.6% 45.5% - 69% 63
Life Protection Loan 18.0% annual, Flat 2 Fees 0 Ins None 100.00 upfront 34.1% 45.2% 40
Trinity Loan 21.0%-60.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 49.7% 104.4% 20

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
Joint Laibility Group Loan (JLG Loan) 25.7% - 26% 26.8% - 28.1% 29.3% - 30.5% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Joint Laibility Group Loan (JLG Loan) 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28.1% 29.3% - 30.5% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 80.00 ongoing 41% - 69.2% 40.8% - 121.3% 47
KAPA Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 90.00 ongoing 37% - 53.6% 45.5% - 69% 63
Life Protection Loan 18.0% annual, Flat 2 Fees 0 Ins Ins None 100.00 upfront 34.1% 45.2% 40
Trinity Loan 21.0%-60.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 80.00 ongoing 49.7% 104.4% 20

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
Joint Laibility Group Loan (JLG Loan) 25.7% - 26% 26.8% - 28.1% 29.3% - 30.5% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Joint Laibility Group Loan (JLG Loan) 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28.1% 29.3% - 30.5% 80
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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