2. Sartawi
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

Institution

Fundacion Sartawi Calle Pedro Salazar No 509La Paz, La Paz
Data approved: 2013-11-05
Data version: 2
Age of data: 130 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sembrarsartawi.org
Year established1990
Head of InstitutionMarcelo Mallea Castillo
Regions activeChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches21

Total Portfolio (nat'l)BOB 181,189,915
Total Portfolio (USD)USD 26,842,950.37
Active clients with loans14,630
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco de Desarrollo de Holanda

Loan Products » Summary

InversionBOB
4,936 Borrowers
USD 14,525,744.30 Portfolio
Active Product
InversionUSD
421 Borrowers
USD 3,259,094 Portfolio
Active Product
OperacionBOB
4,412 Borrowers
USD 6,358,736.15 Portfolio
Active Product
OperacionUSD
75 Borrowers
USD 287,198 Portfolio
Active Product
Solidario
58 Borrowers
USD 7,074.37 Portfolio
Active Product
Libre BOB
712 Borrowers
USD 1,138,133.78 Portfolio
Active Product
Comunal
3,998 Borrowers
USD 1,164,551.41 Portfolio
Active Product
Libre USD
18 Borrowers
USD 102,418 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Capital de Inversión BOB 1,400 - 350,000 3 - 36 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Inversión (USD) USD 200 - 50,000 3 - 36 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Operaciones BOB 350 - 350,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Operaciones (USD) USD 50 - 50,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Capital Operaciones - Grupo Solidario BOB 350 - 350,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Libre Disponibilidad BOB 350 - 21,000 6 - 80 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Banca Comunal BOB 700 - 11,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Capital de Inversión 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 22.9% - 31.6% 23.9% - 33% 52
Capital de Inversión (USD) 20.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 23.4% - 29.4% 24.4% - 30.3% 72
Capital de Operaciones 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 18.3% - 31% 19.2% - 32.5% 59
Capital de Operaciones (USD) 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 17.3% - 28.9% 19% - 29.9% 60
Capital Operaciones - Grupo Solidario 27.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None N/A 31.9% - 35.4% 33.6% - 37% 76
Libre Disponibilidad 13.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 17.9% - 25.2% 19.5% - 26.8% 56
Banca Comunal 30.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None 10.0%-20.0% upfront 10.00%-20.00% ongoing 33% - 37.5% 50% - 69.9% 48
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

Education Loan Product 18 of 23 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 27,742,077
Portfolio (USD)USD 523,435.42
Active Clients with Loans22,097
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. To meet the educational expenses of member’s children
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
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 land
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
OtherThe member must have availed IGL-Pragati at least once.New members eligible after 6 months from the date of becoming the member
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 term11.6 months
Longest loan term12.1 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 months100%
Between 13 and 18 months0
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

Education 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 Date2013-04-252013-04-252013-04-25
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
Education Loan Price Graphs


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