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.
(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
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