2. Fassil FFP
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Swadhaar
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esquina Calle Gustavo Parada, entre 2do. y 3er AnilloSanta Cruz de la Sierra, Bolivia3136
Data approved: 2013-08-23
Data version: 2
Age of data: 130 months
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Institution

Swadhaar FinServe Pvt. Ltd. 5/39 Shree Om Co-operative Housing SocietyGuru Narayan Road, Santacruz (E)Mumbai, MaharashtraPO Box 400001
Data approved: 2013-01-22
Data version: 3
Age of data: 139 months
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Product

Credito Vivienda Product 5 of 8 « Prev | Next »

Product

Top Up Loan Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers1,808
Loan Amount (range)BOB 35,000 - 9,671,865
Loan Term (range)12 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method11.0%-18.0% annual, Decl Bal
FeesNone
Insurance1.20%-3.60% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component13.1% - 32.0%
Fee Component0 - 1.1%
Insurance Component0 - 1.4%
Tax Component Range0
Full APR (int fee ins tax dep)15.5% - 19.5%
Transparency Index (min/max)44 - 91
Transparency Index (average)62

Product Summary

391
INR 2,000 - 5,000
12
Credit Ins
26.0% annual, Decl Bal
1.00% upfront
9.34-23.35 upfront
12.36% fees
N/A
 
25.8% - 29.9%
1.0% - 5.3%
0.8% - 1.3%
0.1% - 0.7%
28.8% - 29.2%
81 - 93
89

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 151,176,530.30
Portfolio (USD)USD 22,396,523.01
Active Clients with Loans1,808
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito destinado a la adquisición, construcción, refacción, remodelación, ampliación y mejoramiento de terrenos y viviendas individuales o en propiedad horizontal, hasta la segunda vivienda inclusive.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveChuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (INR)INR 26,971,403
Portfolio (USD)USD 508,894.40
Active Clients with Loans391
Approximate % Female Clients100%
Approximate % Urban Clients100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Top up Loan is a group loan targeted at clients with a good repayment behavior. To access this loan, at least three group members are required.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INR
Household income <120,000 INRx
Must live in rural area
Must lives in urban areax
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGujarat, Maharashtra

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 35,000
Maximum loan size9,671,865
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,00030%
BOB 40,000-70,00030%
BOB 70,000-100,00015%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx averageDK
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 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace periodN/A
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 2,000
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 term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.99%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min1.20%
% of loan amount - max3.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.1% mensual que aplica sólo al saldo del principal del préstamo pendiente.
Appears on Repayment Sched?Yes
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?No

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest26.00%
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
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min9.34
Fixed amount - max23.35
Reason for variationRs 4.67 for every Rs. 1000 for a year.
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

Full Pricing Data

Credito Vivienda samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 70,000BOB 100,000BOB 140,000BOB 140,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-03-072014-03-072014-03-072014-03-07
Loan Term (Months)18.0 months36.0 months97.0 months143.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 8,953.48BOB 32,055.05BOB 112,333.28BOB 216,138.92
True Price by Comp       
Interest price component14.1%18.1%15.1%18.1%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component1.4%1.4%1.4%1.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)15.5%19.5%16.5%19.5%
Transparency Index71566756
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Top Up Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 2,000INR 3,000INR 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-242012-11-242012-11-24
Loan Term (Months)13.0 months13.0 months13.0 months
Grace Period (Months)0.6 months0.5 months0.6 months
Total Cost of CreditINR 343.81INR 520.71INR 880.53
True Price by Comp     
Interest price component26.2%26.2%26.0%
Fee Component1.9%1.8%1.8%
Insurance Component0.9%0.9%0.8%
Tax Component0.2%0.2%0.2%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.2%29.1%28.8%
MFIN MFI Earning (Annualised)28.1%28.0%27.8%
MFIN Cost to Borrower (Annualised)29.2%29.1%28.8%
Transparency Index898990
MFIN Transparency Index9999100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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