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Micro Finance Activities


1. Micro finance Area and Distribution of SHG.

     OAZOANE is working in the entire State of Tamilnadu and Andaman Niccobar Islands which is pictures in the following diagram.

(B). Brief Background and Origin of the Organization

Initially, OAZOANE has been registered as NGO under the society registration act of Tamil Nadu to initiate, support and strengthen the community groups in their efforts to solve the micro level problems through community evolved community intended and community propelled actions. It has been working for more than a decade at the grassroots level. So far it has been promoted 2667 Self Help Groups and mobilized 45398 women across the district.
Rounded Rectangle: India map 

(D). Current Operational Areas    

The following table indicates about the current area of micro finance operation and later on it is expected to expand its operational base in other part of the country.

Name of State

Name of District

Name of Block

No.of Panchayats

No. of Villages

No. of  Slums

Tamil Nadu

Pudukkottai

Aranthangi

52

334

 

 

 

Aranthangi municipality

1

27 ward

7

 

 

Avudaiyarkovil

35

314

 

 

 

Karambakkudi

40

246

2

 

 

Karambakudi Town Panchayat

1

15 Wards

 

 

 

Kandarvakkottai

4

1

 

 

 

Manamelkudi

28

202

 

 

 

Thiruvarankulam

13

158

 

 

 

Keeramangalam Town Panchayat

1

15 Ward

 

Andaman

Port flair

Ferrezer Gunj

7

25

 

Total

182

1337

9

2.  Current Portfolio Details for the last  year

 

S.
No

Particulars

31st Mar-11

1

Operational Districts

2

2

Number of Blocks

7

3

Branches

6

4

Total No of SHGs

2667

5

Total No of Members

45398

6

No. of SHGs

396

7

No. of Borrowers

6758

8

Loan Disbursement

3.89 cores

9

Loan Outstanding

3.27 cores

10

PAR Ratio

0%

11

OSS

138%

12

Repayment Rate

99%

13

No. of staff in Micro Finance Program.

16

3. History and Progress of Micro Finance Interventions.

The credit programs have been followed based on the common SHG credit discipline and the same credit availed in the past15 years have depicted here.

 

No.

Year

Total No. of SHGs

Total No. of Members

No. of Borrowers

Loan  (Rs. in Lakhs)

Amount of Loan Out standings

1

2002 - 03

1060

18880

3340

4500000

4467625

2

2003 – 04

1150

20680

6470

9000000

6387050

3

2004 – 05

1285

22800

8661

14100000

9836734

4

2005 – 06

1764

30752

11808

23465400

19339525

5

2006 – 07

1864

35552

9071

38612550

36266013

6

2007 – 08

2124

38170

6499

32245600

33765969

7

2008 – 09

2230

40268

5662

22070000

23829150

8

2009 – 10

2532

43206

6732

54839500

42721255

9

2010 - 11

2667

45398

6758

38946000

32736774

 

 

 

 

 

 

 

OAZOANE Micro Credit Programme:

                     Loan Outstanding: 2003 to 2011

 4. Management, Governance & Monitoring System

 5. Micro Finance Products/Services

 

                      

 

6. Micro Insurance Partners

 

7. Micro Finance – Our Partners

 

 

8. Micro Finance Charges & Cost & Tenure & Charging Methods

 

 9. Know Your Clients (KYC) Profile of the Groups / Members

 

18. Nature of the Guarantees / Collateral / Security / Key Feature of Micro Finance