2. Coop Fatima
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopfatima.com/
Year established1962
Head of InstitutionOSCAR MANUEL CORONADO ESPINOZA
Regions active
# Branches5

Total Portfolio (nat'l)BOB 259,281,693
Total Portfolio (USD)USD 38,412,102.67
Active clients with loans5,240
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsNacional
Funders

Loan Products » Summary

Credito Oro
141 Borrowers
USD 435,408.15 Portfolio
Active Product
Sola Firma
178 Borrowers
USD 1,272,820.15 Portfolio
Active Product
Personal
3,341 Borrowers
USD 14,039,596.89 Portfolio
Active Product
Hipotecaria
1,565 Borrowers
USD 19,300,714 Portfolio
Active Product
Diaman. -USD
458 Borrowers
USD 3,464,515 Portfolio
Active Product
Cruzada BOB
356 Borrowers
USD 1,465,142.52 Portfolio
Active Product
Vivienda
334 Borrowers
USD 4,302,502 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Oro (Bs) BOB 70,000 - 70,000 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
CREDITO A SOLA FIRMA BOB 35,000 - 75,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL BOB 7,000 - 63,000 36 - 60 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA USD 1,000 - 50,000 24 - 96 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
Diamante - USD USD 1,001 - 15,000 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
Garantía Cruzada (Bs.) BOB 7,000 - 35,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
HIPOTECARIO DE VIVIENDA USD 10,000 - 140,000 120 - 180 0% - 20% 80% - 100% Business, Housing Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70
Institution Price Graph
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  2. Grameen Koota
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062
Data approved: 2013-05-14
Data version: 3
Age of data: 141 months
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Product

Water Connection Loan Product 2 of 23 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 49,330,183
Portfolio (USD)USD 930,758.17
Active Clients with Loans11,223
Approximate % Female Clients100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is a product in Social welfare category. The product is offered for taking water connection.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherFor taking water connection
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
OtherJagruthi- Client Education Series
Other (2)Socio-Economic Development Workshop
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveKarnataka, Maharashtra, Tamil Nadu

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than INR 5,000100%
INR 5,000-15,0000
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.1 months
Longest loan term24.2 months
Approx average12.1 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.2 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fees
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min26
Fixed amount - max77
Reason for variationPremium For Member (In case the member has no spouse or if spouse is not eligible for coverage, only member should be covered under the scheme)-Rs 26, Premium for member and spouse-Rs 77
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees12.4%
All or some fees taxedSome
Additional Comments
Moratorium Period (Repayment Holiday) - one installment for principal only

Full Pricing Data

Water Connection Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 5,000INR 5,000INR 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-192013-04-192013-04-25
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditINR 722.18INR 722.18INR 722.18
True Price by Comp     
Interest price component22.1%22.1%22.1%
Fee Component2.1%2.1%2.1%
Insurance Component3.2%3.2%3.2%
Tax Component0.2%0.2%0.2%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.6%27.6%27.6%
MFIN MFI Earning (Annualised)24.2%24.2%24.2%
MFIN Cost to Borrower (Annualised)27.6%27.6%27.6%
Transparency Index808080
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Water Connection Loan Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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