2. IMPRO
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Incubadora de Microempresas Productivas Calle Manuel Ergueta Nº 1741, MorilloLa Paz, Bolivia
Data approved: 2013-09-10
Data version: 2
Age of data: 134 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.improbolivia.org/
Year established1995
Head of InstitutionJosé Jimenez M.
Regions activeLa Paz
# Branches1

Total Portfolio (nat'l)BOB 19,617,663.83
Total Portfolio (USD)USD 2,906,320.57
Active clients with loans2,413
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsFINRURAL
Funders

Loan Products » Summary

Linea BOB
990 Borrowers
USD 1,111,074.74 Portfolio
Active Product
Prog BOB
216.50 Borrowers
USD 331,768.96 Portfolio
Active Product
Linea USD
990 Borrowers
USD 1,111,074.50 Portfolio
Active Product
Prog USD
216.50 Borrowers
USD 331,769 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Línea de Créditos de Fomento BOB 300 - 21,000 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat BOB 300 - 10,000 6 - 24 40% - 60% 60% - 80% Housing, Other Women, Men, Have home or land Credit Ins, Tech Asst Visits
Línea de Créditos de Fomento (USD) USD 50 - 3,100 4 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits
Programa de Vivienda y Mejoramiento del Habitat (USD) USD 50 - 1,500 6 - 24 40% - 60% 60% - 80% Business, Agriculture, Education Women, Men, Have business 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
Línea de Créditos de Fomento 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 25.5% - 28% 26.1% - 28.5% 53
Programa de Vivienda y Mejoramiento del Habitat 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 28.6% 20.4% - 29.2% 56
Línea de Créditos de Fomento (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 19.8% - 40.4% 20.4% - 40.9% 53
Programa de Vivienda y Mejoramiento del Habitat (USD) 14.4%-21.6% annual, Decl Bal 1 Fee 1 Ins None N/A 27.8% - 33.8% 28.4% - 34.3% 46
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeIMPROInstitutionBO-024-V02-P01BO-024-V02-P02ProductBOCountry2013YearRange Number2Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1009010Number of Borrowers
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeIMPROInstitutionBO-024-V02-P03BO-024-V02-P04ProductBOCountry2013YearRange Number2Institution Data Version02004006008001,0001,200Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 90506Number of Borrowers
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  2. Suryoday
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Suryoday Micro Finance Pvt Ltd 1101 Sharda TerracesPlot 65 Sector 11 CBD BelapurNavi Mumbai, Maharashtra400614
Data approved: 2013-01-22
Data version: 3
Age of data: 143 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (INR)INR 696,651,182
Portfolio (USD)USD 13,144,361.92
Active Clients with Loans71,053
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Income Generation Loan - Monthly 15K
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveGujarat, Karnataka, Maharashtra, Orissa, Tamil Nadu

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 15,000
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,000100%
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 term18.0 months
Longest loan term18.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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 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
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min260
Fixed amount - max260
Reason for variationInsurance of Rs. 20000 each to member & guarantor for 18 months.
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

IG02 samples
Sample 1Sample 2Sample 3
Loan AmountINR 15,000INR 15,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-302013-01-022013-02-01
Loan Term (Months)18.0 months18.0 months18.0 months
Grace Period (Months)0.2 months0.0 months0.0 months
Total Cost of CreditINR 3,758INR 3,758.54INR 3,758.54
True Price by Comp     
Interest price component25.2%25.8%25.6%
Fee Component1.3%1.3%1.3%
Insurance Component2.3%2.4%2.4%
Tax Component0.2%0.2%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.0%29.7%29.4%
MFIN MFI Earning (Annualised)26.5%27.1%26.9%
MFIN Cost to Borrower (Annualised)29.0%29.7%29.4%
Transparency Index908888
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
IG02 Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeSuryodayInstitutionIN-069-V03-P02ProductINCountry2013YearRange Number3Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 7,1005,3003,5001,700100Number of Borrowers
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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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