2. CRECER
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Utkarsh
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 135 months
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Institution

Utkarsh Microfinance Pvt Ltd S-2/639-56, VARUNA VIHAR COLONY,NEAR J P MEHTA INTER COLLEGE, CANTT.,VARANASI, UTTAR PRADESH221002
Data approved: 2012-01-12
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.crecer.org.bo/
Year established1999
Head of InstitutionJosé Auad Lema
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches9

Total Portfolio (nat'l)BOB 910,004,033.70
Total Portfolio (USD)USD 134,815,412.40
Active clients with loans167,043
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsFINRURAL, FOROLAC, PROCOSI
Funders

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.utkarshmfi.com/
Year established1990
Head of InstitutionGOVIND SINGH
Regions active0
# Branches65

Total Portfolio (nat'l)INR 498,499,875
Total Portfolio (USD)USD 11,077,775
Active clients with loans66,014
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Comunal
112,789 Borrowers
USD 50,605,697.63 Portfolio
Active Product
Indiv USD
2,615 Borrowers
USD 7,958,924 Portfolio
Active Product
Indiv BOB
18,879 Borrowers
USD 47,475,532.15 Portfolio
Active Product
Agro BOB
4,627 Borrowers
USD 14,604,213.93 Portfolio
Active Product
Agro USD
756 Borrowers
USD 3,540,515 Portfolio
Active Product
Consumo BOB
809 Borrowers
USD 936,721.93 Portfolio
Active Product
Vivienda BOB
419 Borrowers
USD 1,352,590.37 Portfolio
Active Product
Oportuno BOB
25,920 Borrowers
USD 7,906,821.93 Portfolio
Active Product
Personal BOB
57 Borrowers
USD 96,389.78 Portfolio
Active Product
Consumo USD
29 Borrowers
USD 54,848 Portfolio
Low Volume Product
Vivienda USD
4 Borrowers
USD 15,215 Portfolio
Low Volume Product
Salud BOB
36 Borrowers
USD 19,252.15 Portfolio
Low Volume Product
Personal USD
27 Borrowers
USD 59,331 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Pragati
43,209 Borrowers
USD 8,930,400 Portfolio
Active Product
Utkarsh Unnati
9,848 Borrowers
USD 1,398,994 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Banca Comunal BOB 100 - 15,000 5.3 - 11.3 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas
Credito Individual - USD USD 100 - 10,000 13 - 80.53 60% - 80% 40% - 60% Business, Housing, Education, Other Women, Men, Have business Credit Educ, Credit Ins, Business Training, Other Training
Credito Individual - BOB BOB 700 - 70,000 3.03 - 87.8 80% - 100% 40% - 60% Business, Housing, Education, Other Women, Men, Have business Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Crédito Agropecuario - BOB BOB 700 - 70,000 4.6 - 83.13 20% - 40% 0% - 20% Business, Agriculture, Other Women, Men, Have business Credit Educ, Credit Ins
Crédito Agropecuario - USD USD 100 - 10,000 10.7 - 71.3 20% - 40% 0% - 20% Business, Agriculture, Other Women, Men, Have business Credit Educ, Credit Ins
Crédito para Consumo - BOB BOB 700 - 70,000 3.4 - 61.2 0% - 20% 40% - 60% Consumer, Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Crédito para Vivienda - BOB BOB 700 - 70,000 5 - 49.7 40% - 60% 40% - 60% Housing, Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Crédito Oportuno BOB 500 - 3,000 0.7 - 16.9 80% - 100% 40% - 60% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Crédito al Personal - BOB BOB 700 - 35,000 18.6 - 37.2 40% - 60% 40% - 60% Other Women, Men, Salaried worker Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Utkarsh Pragati INR 6,000 - 18,000 12 - 14 80% - 100% 0% - 20% Business, Income Genration Women, Have business, Specific age group, 21-55 Credit Educ, Group Mtgs, Tech Asst Visits
Utkarsh Unnati INR 6,000 - 18,000 30 80% - 100% 0% - 20% Business, Income Generation Women, Have business, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 34.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.00% ongoing 36% 50.6% - 51.4% 66
Credito Individual - USD 16.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.3% - 22.4% 16.3% - 22.4% 82
Credito Individual - BOB 12.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17.4% - 23.7% 17.4% - 23.7% 62
Crédito Agropecuario - BOB 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18.4% - 24.6% 18.4% - 24.6% 87
Crédito Agropecuario - USD 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19.1% - 23.4% 19.1% - 23.4% 86
Crédito para Consumo - BOB 19.0%-30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.4% - 27.5% 20.4% - 27.5% 75
Crédito para Vivienda - BOB 19.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18.8% - 19.4% 18.8% - 19.4% 99
Crédito Oportuno 32.1% annual, Decl Bal 0 Fees 0 Ins None N/A 32.6% - 32.7% 32.6% - 32.7% 98
Crédito al Personal - BOB 12.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A

Loan Products » MFIN India Additional Information

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
Utkarsh Pragati 0% 0% 0% N/A
Utkarsh Unnati 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Utkarsh Pragati 25.9% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Utkarsh Unnati 28.2% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 34.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.00% ongoing 36% 50.6% - 51.4% 66
Credito Individual - USD 16.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 16.3% - 22.4% 16.3% - 22.4% 82
Credito Individual - BOB 12.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 17.4% - 23.7% 17.4% - 23.7% 62
Crédito Agropecuario - BOB 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18.4% - 24.6% 18.4% - 24.6% 87
Crédito Agropecuario - USD 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19.1% - 23.4% 19.1% - 23.4% 86
Crédito para Consumo - BOB 19.0%-30.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.4% - 27.5% 20.4% - 27.5% 75
Crédito para Vivienda - BOB 19.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18.8% - 19.4% 18.8% - 19.4% 99
Crédito Oportuno 32.1% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.6% - 32.7% 32.6% - 32.7% 98
Crédito al Personal - BOB 12.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A

Loan Products » MFIN India Additional Information

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
Utkarsh Pragati 0% 0% 0% N/A
Utkarsh Unnati 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Utkarsh Pragati 25.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Utkarsh Unnati 28.2% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyBusinessMultipleLoan PurposeCRECERInstitutionBO-010-V03-P01BO-010-V03-P03BO-010-V03-P04BO-010-V03-P06BO-010-V03-P08BO-010-V03-P10ProductBOCountry2013YearRange Number3Institution Data Version010,00020,00030,00040,00050,00060,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 11,0008,4005,6002,800300Number of Borrowers
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeCRECERInstitutionBO-010-V03-P02BO-010-V03-P05ProductBOCountry2013YearRange Number3Institution Data Version02,0004,0006,0008,000Loan Size (all)0%5%10%15%20%25%Full APR (int fee ins tax dep)> 20010010Number of Borrowers
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Institution Price Graph
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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