| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.arohan.in/ |
| Year established | 1991 |
| Head of Institution | Shubhankar Sengupta |
| Regions active | Assam, Bihar, West Bengal |
| # Branches | 86 |
| Total Portfolio (nat'l) | INR 399,408,132 |
| Total Portfolio (USD) | USD 7,536,002.49 |
| Active clients with loans | 76,358 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | MFIN, Sa-Dhan |
| Institution Type | Other |
| Is this institution regulated? | Yes |
| Website address | http://www.fivetalents.urg.uk |
| Year established | 2006 |
| Head of Institution | Esther Nakamatte Mbaziira |
| Regions active | Central, Northern, Western |
| # Branches | 4 |
| Total Portfolio (nat'l) | UGX 920,143,726 |
| Total Portfolio (USD) | USD 368,057.49 |
| Active clients with loans | 5,365 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMFIU, Five Talents International |
| Funders | Five Talents International, Microfinance Support Centre |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | UGX 250,000 - 1,000,000 | 3 - 9 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Holistic development training | |||||||
| Individual Business Loans | UGX 500,000 - 5,000,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
| Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 64.8% - 65.3% | 111% - 111.5% | 32 | ||||||||
| Individual Business Loans | 36.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.00% upfront | 64.4% - 65.1% | 89.2% - 90.9% | 40 |
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