2. AMRET
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Ujjivan
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 140 months
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Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003
Data approved: 2012-12-18
Data version: 2
Age of data: 140 months
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Product

Business Loan (USD) Product 3 of 8 « Prev | Next »

Product

Livestock Loan Product 5 of 5 « Prev | Next »

Product Summary

Number borrowers37,836
Loan Amount (range)USD 100 - 10,000
Loan Term (range)3 - 24
Other Services (text summary)
Annual Interest & Method19.2%-37.2% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.3% - 38.4%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)22.6% - 33.1%
Transparency Index (min/max)58 - 112
Transparency Index (average)71

Product Summary

5,991
INR 15,000 - 35,000
24
Credit Educ, Group Mtgs, Credit Ins
24.0% annual, Decl Bal
1.00% upfront
120.00-200.00 upfront 7.30% ongoing
12.36% fees
N/A
 
23.3% - 26.9%
0 - 1.9%
0 - 6.8%
0 - 0.3%
32.4% - 34.9%
69 - 103
72

Product Details

Key Statistics
Outstanding portfolio (USD)USD 66,527,509
Portfolio (USD)USD 66,527,509
Active Clients with Loans37,836
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
A business loan is for individuals setting up a new business or expanding an existing enterprise. It is an ideal way for small and medium scale entrepreneurs to gain access to the capital they need.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (INR)INR 130,597,737
Portfolio (USD)USD 2,464,108.25
Active Clients with Loans5,991
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Livestock loan finances cattle purchase for dairy business.
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 training
Other training
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 INR
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 institution20
# Regions for this product14
Regions ActiveBihar, GoaJharkhand, Karnataka, Kerala, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,00010%
USD 1,000-1,50015%
USD 1,500-2,00030%
USD 2,000-2,50020%
Greater than USD 2,50020%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months50%
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

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 15,000
Maximum loan size35,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,0000
INR 15,000-25,00010%
INR 25,000-35,00090%
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term24.0 months
Approx average24.0 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 months0
Longer than 18 months100%
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 interest1.60%
Highest quoted nominal interest3.10%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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
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?No
Additional Comments
Grace period depends on cash flow of the client.

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
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
DescriptionCredit Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min120
Fixed amount - max200
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionCattle Insurance
% of loan amount - min7.30%
% of loan amount - max7.30%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Full Pricing Data

Business Loan (USD) samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 3,000USD 650USD 1,100USD 1,700USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-052013-01-022013-01-162013-04-222013-02-28
Loan Term (Months)25.0 months19.0 months24.0 months18.0 months19.0 months
Grace Period (Months)5.3 months6.4 months0.1 months0.0 months0.4 months
Total Cost of CreditUSD 911.07USD 232.72USD 369.91USD 357.83USD 375.33
True Price by Comp         
Interest price component23.8%33.1%32.0%26.1%22.6%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.8%33.1%32.0%26.1%22.6%
Transparency Index8158607485
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Livestock Loan samples
Sample 2Sample 3Sample 4
Loan AmountINR 18,000INR 30,000INR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-172012-12-182013-04-03
Loan Term (Months)25.0 months25.0 months25.0 months
Grace Period (Months)0.7 months1.0 month0.3 months
Total Cost of CreditINR 7,080.24INR 12,952.08INR 11,649.08
True Price by Comp     
Interest price component25.0%26.9%25.4%
Fee Component1.0%1.0%1.0%
Insurance Component6.3%6.8%6.5%
Tax Component0.1%0.2%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.4%34.9%33.0%
MFIN MFI Earning (Annualised)26.0%27.9%26.4%
MFIN Cost to Borrower (Annualised)32.4%34.9%33.0%
Transparency Index746973
MFIN Transparency Index968994
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Business Loan (USD) Price Graphs


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Livestock Loan Price Graphs


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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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