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Institution

AB Bank Zambia Chainda Place, Off Cairo RoadLusaka
Data approved: 2012-03-30
Data version: 1
Age of data: 110 months

Institution

Arohan Financial Services Ltd. 195/1, Prafulla, Rajdanga Chakraborty Para,Kasba,Kolkata, West BengalPO Box 700107
Data approved: 2012-11-22
Data version: 2
Age of data: 86 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established2011
Head of InstitutionMichael Barleon
Regions active
# Branches1

Total Portfolio (nat'l)ZMK 4,225,572,000
Total Portfolio (USD)USD 816,535.65
Active clients with loans738
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsBankers Association of Zambia
FundersInternational Finance Corporation (IFC), European Investment Bank (EIB), Incofin, KfW

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.arohan.in/
Year established1991
Head of InstitutionShubhankar Sengupta
Regions activeAssam, Bihar, West Bengal
# Branches86

Total Portfolio (nat'l)INR 399,408,132
Total Portfolio (USD)USD 7,536,002.49
Active clients with loans76,358
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan

Loan Products » Summary

193 Borrowers
USD 125,516.70 Portfolio
Active Product
134 Borrowers
USD 182,329.08 Portfolio
Active Product

Loan Products » Summary

5,611 Borrowers
USD 966,962.26 Portfolio
Active Product
37,941 Borrowers
USD 7,124,547.17 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
AB Business Flexi ZMK 1,000,000 - 5,000,000 3 - 20 40% - 60% 40% - 60% Business Women, Men, Have business, Zambian Resident, At least 21 years Credit Educ, Business Training
AB Business Plus ZMK 5,000,001 - 15,000,000 3 - 20 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bazar Loan INR 6,000 - 18,000 10 - 11 0% - 20% 80% - 100% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Saral Monthly INR 5,000 - 15,000 15 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AB Business Flexi 72.0% annual, Decl Bal 1 Fee 0 Ins None N/A 79.3% - 81.7% 79.3% - 81.7% 89
AB Business Plus 69.0% annual, Decl Bal 1 Fee 0 Ins None N/A 74.5% - 78.8% 74.5% - 78.8% 91

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
Bazar Loan 25% - 27.1% 27.1% - 29.4% 28.5% - 30.9% Yes Yes Yes 100
Saral Monthly 26% - 31.1% 27.6% - 32.9% 29.1% - 34.4% 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
Bazar Loan 27.3% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.1% - 29.4% 28.5% - 30.9% 91
Saral Monthly 28.4% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.6% - 32.9% 29.1% - 34.4% 91

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AB Business Flexi 72.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 79.3% - 81.7% 79.3% - 81.7% 89
AB Business Plus 69.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 74.5% - 78.8% 74.5% - 78.8% 91

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
Bazar Loan 25% - 27.1% 27.1% - 29.4% 28.5% - 30.9% Yes Yes Yes 100
Saral Monthly 26% - 31.1% 27.6% - 32.9% 29.1% - 34.4% 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
Bazar Loan 27.3% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.1% - 29.4% 28.5% - 30.9% 91
Saral Monthly 28.4% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.6% - 32.9% 29.1% - 34.4% 91
Institution Price Graph
Institution Price Graph
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