| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.wethepeople.co.in/ |
| Year established | 2005 |
| Head of Institution | Ajaya Mohapatra |
| Regions active | |
| # Branches | 2 |
| Total Portfolio (nat'l) | INR 12,963,159 |
| Total Portfolio (USD) | USD 244,587.91 |
| Active clients with loans | 1,645 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.bestfundghana.org |
| Year established | 2005 |
| Head of Institution | Dr. Emmanuel Shaft Boamah |
| Regions active | Greater Accra Region, Ashanti Region |
| # Branches | 3 |
| Total Portfolio (nat'l) | GHS 8,220,420 |
| Total Portfolio (USD) | USD 4,172,802.03 |
| Active clients with loans | 13,064 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | GHAMFIN, ASSFIN, AMT |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | INR 7,000 - 10,000 | 6 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Credit Ins, Business Training, Other Training | |||||||
| Sukh Samridhi | INR 15,000 - 16,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women | Credit Educ, Credit Ins, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capacity Loan | GHS 3,000 - 8,000 | 6 - 10 | 60% - 80% | 0% - 20% | Business, Education | Women, Men, Have business, Salaried worker | Credit Ins, Tech Asst Visits | |||||||
| Group Loan | GHS 2,000 - 10,000 | 5 - 8 | 80% - 100% | 0% - 20% | Business, Education, Land | Women, Men, Have business, Salaried worker | Group Mtgs, Tech Asst Visits | |||||||
| Individual Loan | GHS 500 - 1,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 0% | 31.5% | 39.5% | N/A | ||||||||||
| Sukh Samridhi | 0% | 30.8% | 41.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 500.00 upfront | 31.5% | 39.5% | 38 | ||||||||
| Sukh Samridhi | 15.0% annual, Flat | 0 Fees | 0 Ins | None | 1,000.00 upfront | 30.8% | 41.7% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capacity Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 64.5% - 68% | 74.9% - 78.8% | 47 | ||||||||
| Group Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 59% - 70.2% | 68.1% - 81.6% | N/A | ||||||||
| Individual Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 62.3% - 69.1% | 72.1% - 80.2% | 47 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 0% | 31.5% | 39.5% | N/A | ||||||||||
| Sukh Samridhi | 0% | 30.8% | 41.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subh Arambh | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 500.00 upfront | 31.5% | 39.5% | 38 | ||||||||
| Sukh Samridhi | 15.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 1,000.00 upfront | 30.8% | 41.7% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Capacity Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 64.5% - 68% | 74.9% - 78.8% | 47 | ||||||||
| Group Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 59% - 70.2% | 68.1% - 81.6% | N/A | ||||||||
| Individual Loan | 36.0%-96.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 62.3% - 69.1% | 72.1% - 80.2% | 47 |
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| % Products with compulsory deposits |
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