| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.finca.org/ |
| Year established | 1998 |
| Head of Institution | Tom Kocsis |
| Regions active | 0 |
| # Branches | 21 |
| Total Portfolio (nat'l) | TZS 22,944,389,027 |
| Total Portfolio (USD) | USD 15,296,259.35 |
| Active clients with loans | 68,020 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | FINCA International, Tanzania Association of Microfinance Institutions |
| Funders | Hivos-Triodos Fund, Oxfam Novib Fund, Triodos-Doen Foundation |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | TZS 500,000 - 15,000,000 | 3 - 18 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ | |||||||
| Small Group Loan | TZS 350,000 - 4,000,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Village Banking Loan | TZS 30,000 - 3,000,000 | 5 - 8 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | 0 | ||||||||
| Small Group Loan | 42.0% annual, Flat | 0 Fees | 0 Ins | None | 10.0% upfront | 0% | 0% | 0 | ||||||||
| Village Banking Loan | 48.0% annual, Flat | 0 Fees | 0 Ins | None | 10.0% upfront 2,000.00 ongoing | 0% | 0% | 0 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | 0 | ||||||||
| Small Group Loan | 42.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.0% upfront | 0% | 0% | 0 | ||||||||
| Village Banking Loan | 48.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.0% upfront 2,000.00 ongoing | 0% | 0% | 0 |
| 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 |
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