Outstanding portfolio (BOB) | BOB 37,627,744.57 |
Portfolio (USD) | USD 5,574,480.68 |
Active Clients with Loans | 1,724 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | x |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 6 |
# Regions for this product | 5 |
Regions Active | Beni , Chuquisaca , Cochabamba , Santa Cruz, Tarija |
Currency | BOB |
Minimum loan size | BOB 3,500 |
Maximum loan size | 735,000 |
Loans less than BOB 10,000 | 30% |
BOB 10,000-40,000 | 40% |
BOB 40,000-70,000 | 10% |
BOB 70,000-100,000 | 5% |
BOB 100,000-125,000 | 5% |
Greater than BOB 125,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 84.0 months |
Approx average | 41.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 100% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | x |
Irregular payments | x |
Lowest quoted nominal interest | 13.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Collateral |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Comision por Gastos Administrativos |
% of loan amount - min | 0.86% |
% of loan amount - max | 2.86% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Las diferencias se dan por monto del crédito |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Seguro de Desgravamen |
% of loan amount - min | 0.17% |
% of loan amount - max | 4.60% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Se cobra mensualmente 0.55/1000 para el titular del préstamo, y se sube a 0.75/1000 cuando hay codeudor. |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | BOB 9,000 | BOB 20,000 | BOB 34,300 | BOB 63,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-10-24 | 2014-01-28 | 2013-12-23 | 2013-11-15 | |||
Loan Term (Months) | 49.0 months | 48.0 months | 37.0 months | 50.0 months | |||
Grace Period (Months) | -0.1 months | -0.2 months | 0.5 months | 1.7 months | |||
Total Cost of Credit | BOB 5,420.50 | BOB 10,255.83 | BOB 9,813.80 | BOB 34,946.18 | |||
True Price by Comp | |||||||
Interest price component | 24.1% | 21.1% | 15.6% | 21.1% | |||
Fee Component | 1.0% | 0.6% | 0.6% | 0.5% | |||
Insurance Component | 0.6% | 0.6% | 0.1% | 0.4% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 25.7% | 22.3% | 16.3% | 22.0% | |||
Transparency Index | 51 | 58 | 80 | 59 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.sahayata.co.in/ |
Year established | 2007 |
Head of Institution | Ajay Verma |
Regions active | |
# Branches | 105 |
Total Portfolio (nat'l) | 0 |
Total Portfolio (USD) | 0 |
Active clients with loans | 0 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 60% - 80% |
Network affiliations |
Key Statistics | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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