Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Adhikar | 35,300 | 2,674,000 | 1 | 132 |
AMPL | 0 | 0 | 0 | 132 |
Arman | 41,500 | 529,107,000 | 1 | 132 |
Arohan | 43,500 | 8,091,000 | 2 | 132 |
ASA INDIA | 164,000 | 15,380,000 | 1 | 132 |
Asirvad | 113,500 | 19,328,000 | 1 | 132 |
Asmitha | 1,114,800 | 217,867,000 | 1 | 132 |
Bandhan | 4,048,600 | 674,564,000 | 5 | 132 |
Belstar | 123,000 | 23,945,000 | 2 | 111 |
BSFL | 275,200 | 31,590,000 | 3 | 132 |
Chaitanya | 20,700 | 3,748,000 | 3 | 132 |
Disha Microfin | 69,000 | 14,332,000 | 2 | 132 |
Equitas | 1,220,000 | 186,415,000 | 4 | 132 |
ESAF | 354,200 | 43,500,000 | 5 | 132 |
FFSL | 150,600 | 35,719,000 | 2 | 132 |
Fusion | 66,800 | 9,820,000 | 2 | 132 |
Grama Vidiyal | 738,200 | 102,101,000 | 1 | 132 |
Grameen Koota | 586,600 | 83,555,000 | 15 | 134 |
Janalakshmi | 506,000 | 119,077,000 | 2 | 132 |
L & T Finance | 399,800 | 37,199,000 | 1 | 132 |
MFL | 331,800 | 49,083,000 | 1 | 132 |
MMFL | 175,000 | 23,752,000 | 2 | 132 |
Mpower | 13,600 | 2,263,000 | 2 | 132 |
Sahayata | 0 | 0 | 0 | 132 |
Saija | 24,700 | 4,682,000 | 2 | 132 |
Samasta | 45,500 | 4,809,000 | 2 | 132 |
Satin | 405,600 | 90,174,000 | 2 | 132 |
SCCI | 115,600 | 15,910,000 | 2 | 132 |
Share | 2,195,400 | 376,727,000 | 1 | 132 |
SKS | 3,409,000 | 355,029,000 | 2 | 132 |
SMILE | 360,200 | 56,927,000 | 1 | 132 |
SNFL | 9,400 | 1,779,000 | 1 | 132 |
Sonata Finance | 158,200 | 22,724,000 | 3 | 134 |
Spandana | 533,400 | 147,240,000 | 2 | 132 |
Suryoday | 78,600 | 14,713,000 | 3 | 132 |
SVCL | 118,200 | 18,886,000 | 1 | 132 |
Swadhaar | 92,800 | 17,166,000 | 3 | 132 |
Trident | 68,700 | 8,852,000 | 1 | 132 |
Ujjivan | 913,300 | 160,848,000 | 5 | 132 |
Utkarsh | 168,600 | 25,915,000 | 3 | 132 |
VFS | 175,400 | 19,264,000 | 2 | 132 |
Asomi | 50,300 | 4,743,000 | 2 | 164 |
AES India | 3,600 | 286,000 | 1 | 164 |
Arth | 2,900 | 611,000 | 2 | 164 |
Asomi | 50,300 | 4,743,000 | 2 | 164 |
Barasat GS | 1,100 | 99,508.02 | 1 | 164 |
BJS | 6,000 | 468,000 | 1 | 164 |
Cashpor | 417,000 | 50,452,000 | 1 | 163 |
Credible | 10,000 | 1,669,540.36 | 2 | 164 |
DIBAKAR | 1,800 | 145,000 | 1 | 163 |
GOF | 65,200 | 5,388,000 | 4 | 163 |
Hope | 62,600 | 4,407,000 | 1 | 161 |
Jaago | 2,700 | 237,000 | 1 | 162 |
LOK | 4,900 | 573,000 | 1 | 163 |
Nano | 25,600 | 3,660,000 | 2 | 164 |
NBSAAVS | 28,100 | 2,821,000 | 1 | 161 |
Nirantara | 8,200 | 917,000 | 2 | 163 |
Parama | 7,100 | 482,000 | 1 | 163 |
Pragathi | 26,200 | 4,579,000 | 6 | 163 |
PWMACS | 36,500 | 5,946,000 | 1 | 163 |
Saadhana | 90,900 | 12,046,000 | 2 | 163 |
Sambhav | 1,500 | 183,000 | 3 | 163 |
Seba Rahara | 6,700 | 468,000 | 1 | 163 |
SU | 61,100 | 5,498,000 | 1 | 163 |
Swayanshree | 7,900 | 918,000 | 2 | 163 |
Vikas Samiti | 1,600 | 168,000 | 1 | 163 |
Vistaar | 4,300 | 1,157,000 | 2 | 161 |
We The People | 1,100 | 244,000 | 2 | 163 |
WEMCS | 1,100 | 85,000 | 1 | 163 |
Yukti | 1,100 | 99,000 | 2 | 163 |
Outstanding portfolio (MWK) | MWK 15,423,024.54 |
Portfolio (USD) | USD 39,546.22 |
Active Clients with Loans | 423 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 5 |
# Regions for this product | 5 |
Regions Active | Lilongwe, Mchinji, Salima, Mzimba, Blantyre |
Currency | MWK |
Minimum loan size | MWK 5,000 |
Maximum loan size | 1,500,000 |
Loans less than MWK 50,000 | 30% |
MWK 50,000-150,000 | 20% |
MWK 150,000-250,000 | 10% |
MWK 250,000-350,000 | 10% |
MWK 350,000-450,000 | 10% |
Greater than MWK 450,000 | 10% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 6.0 months |
Loans 3 months or less | 10% |
Between 4 and 6 months | 20% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 50% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 1.0 month |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 42.00% |
Highest quoted nominal interest | 42.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Premium |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 50.00% |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | End Term |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | MWK 9,000 | MWK 35,000 | MWK 50,000 | MWK 100,000 | MWK 260,000 | ||||
Loan Cycle (1, 2, 3, etc) | 4 | 1 | 2 | 9 | 7 | ||||
Disbursement Date | 2012-12-12 | 2012-09-18 | 2012-12-21 | 2012-09-06 | 2012-12-12 | ||||
Loan Term (Months) | 5.0 months | 4.1 months | 6.0 months | 12.0 months | 12.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | MWK 2,025 | MWK 6,650 | MWK 13,000 | MWK 47,000 | MWK 122,200 | ||||
True Price by Comp | |||||||||
Interest price component | 65.9% | 63.8% | 67.1% | 68.5% | 68.4% | ||||
Fee Component | 12.7% | 15.2% | 11.1% | 6.3% | 6.4% | ||||
Insurance Component | 8.8% | 10.4% | 7.6% | 4.4% | 4.3% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 207.3% | 214.4% | 201.5% | 155.1% | 154.8% | ||||
Full APR (int fee ins tax dep) | 294.7% | 303.8% | 287.3% | 234.3% | 233.9% | ||||
Transparency Index | 14 | 14 | 15 | 18 | 18 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
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