| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.peacemfi.org/ |
| Year established | 1999 |
| Head of Institution | Mr Tezera Kebede |
| Regions active | |
| # Branches | 18 |
| Total Portfolio (nat'l) | ETB 44,682,307 |
| Total Portfolio (USD) | USD 2,428,386.25 |
| Active clients with loans | 17,206 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AEMFI, MAIN, WWB |
| Funders | Oxfam Novib, Ethio-Italian Development Cooperation, Agri Service Ethiopia, RUFIP |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.spandanaindia.com/ |
| Year established | 2004 |
| Head of Institution | Padmaja Reddy G. |
| Regions active | Andhra Pradesh, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Orissa |
| # Branches | 1221 |
| Total Portfolio (nat'l) | INR 27,681,507,970 |
| Total Portfolio (USD) | USD 522,292,603.20 |
| Active clients with loans | 3,305,413 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sadhan, Mix Market, MFIN, WWB |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | ETB 2,000 - 5,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Savings training | |||||||
| Non-agricultural loan | ETB 1,900 - 5,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Savings training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Abhilasha | INR 4,000 - 30,000 | 0.6 - 24 | 80% - 100% | 0% - 20% | Business, Housing, Education, Other | Women, Low HH Inc, Med HH Inc, Economically active. | Credit Educ, Group Mtgs, Other Training, Group Solidarity Training | |||||||
| Pragathi | INR 15,000 - 50,000 | 18 - 24 | 80% - 100% | 0% - 20% | Business | Women, Self-employed. | Credit Educ, Group Mtgs, Group Solidarity Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront 10.00% ongoing | 20.1% - 20.2% | 22% - 22.2% | 81 | ||||||||
| Non-agricultural loan | 15.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 30.7% - 30.8% | 38.2% - 40.4% | 38 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Abhilasha | 24.8% - 26.1% | 28.2% - 28.9% | 30.7% - 31.5% | Yes | Yes | Yes | 100 | |||||||
| Pragathi | 26.1% | 28.1% | 30.5% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 18.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront 10.00% ongoing | 20.1% - 20.2% | 22% - 22.2% | 81 | ||||||||
| Non-agricultural loan | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 30.7% - 30.8% | 38.2% - 40.4% | 38 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Abhilasha | 24.8% - 26.1% | 28.2% - 28.9% | 30.7% - 31.5% | Yes | Yes | Yes | 100 | |||||||
| Pragathi | 26.1% | 28.1% | 30.5% | Yes | Yes | Yes | 100 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
