| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sksindia.com/ |
| Year established | 1997 |
| Head of Institution | MR. Rao |
| Regions active | Andhra Pradesh, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal |
| # Branches | 1238 |
| Total Portfolio (nat'l) | INR 18,872,236,695 |
| Total Portfolio (USD) | USD 356,079,937.60 |
| Active clients with loans | 4,172,370 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | n/a |
| Year established | 1990 |
| Head of Institution | Kwabena Dankyi Darfoor |
| Regions active | Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Northern Region |
| # Branches | 4 |
| Total Portfolio (nat'l) | GHS 110,408 |
| Total Portfolio (USD) | USD 56,044.67 |
| Active clients with loans | 273 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | GHAMFIN, ASSFIN, UNDP, UNCTAD/EMPRETEC Worldwide |
| Funders | UNDP |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 2,000 - 14,000 | 11.5 | 100% | 20% - 40% | Business | Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Group Mtgs, Credit Ins, Other Training, Building Leadership and Promoting Members Cooperation. | |||||||
| Mid Term Loan | INR 2,000 - 14,000 | 11.5 | 100% | 20% - 40% | Business | Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Group Mtgs, Credit Ins, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | GHS 200 - 3,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business, Specific age group, Children and the very elderly are not eligible., Must be a member of a group or association. | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health/Nutrition , Family Life |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 | |||||||
| Mid Term Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 | ||||||||
| Mid Term Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 36.00% annual, Flat | 2 Fees | 0 | None | 10.00% upfront | 69.3% - 70.3% | 82.1% - 83.3% | 43 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 | |||||||
| Mid Term Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 | ||||||||
| Mid Term Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 36.00% annual, Flat | 2 Fees | 0 | None | 10.00% upfront | 69.3% - 70.3% | 82.1% - 83.3% | 43 |
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