Corporación Accion por el Quindio "Actuar Famiempresas" - Capital de Trabajo - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Corporación Accion por el Quindio "Actuar Famiempresas" Calle 16 NÂº 13 - 13Armenia, Quindio

Data approved: 2011-08-01

Data version: 1

Age of data: 166 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (COP)	COP 4,332,623,990
Portfolio (USD)	USD 2,380,562.63
Active Clients with Loans	2,010
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Prestamo que tiene por objetivo brindar los recursos para compra de insumos para el proceso productivo o aumentar el inventario en temporadas de crecimiento en la demanda.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	Capital de Trabajo
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other	Acompañamiento en los procesos de comercialización
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 1,000,000
Maximum loan size	61,800,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	36.0 months
Approx average	25.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.45%
Highest quoted nominal interest	2.45%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Estudio de credito sobre el monto inicial anual diferido en el periodo de amortizacio (solamente para algunos prestamos de este producto) (este porcentage es anual)
% of loan amount - min	4.00%
% of loan amount - max	7.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Upfront Insurance Fees

	Ins 1
Description	Seguro de Vida o incapacidad por el monto del credito desembolsado (0.25% per annum)
% of loan amount - min	25.00%
% of loan amount - max	25.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Capital de Trabajo samples

	Sample 1	Sample 2	Sample 3
Loan Amount	COP 13,390,000	COP 30,000,000	COP 40,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2011-01-31	2011-03-31	2011-02-28
Loan Term (Months)	36.0 months	24.0 months	36.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	20.0%	21.2%	21.3%
Insurance Component	0.5%	0.5%	0.5%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	20.6%	21.8%	21.9%
Transparency Index	100	100	100

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Capital de Trabajo Price Graphs

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Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Seba Rahara C/O - Reba BhowalDakshinpalli Canal Side Road, P.O. Rahara, Dist 24 Pgs (N)Kolkata, West Bengal700 118

Data approved: 2010-10-25

Data version: 1

Age of data: 170 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	N/A
Year established	2006
Head of Institution	Ranjib Kumar Ghosh
Regions active
# Branches	6

Total Portfolio (nat'l)	INR 24,841,151
Total Portfolio (USD)	USD 468,700.96
Active clients with loans	6,782
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations

Loan Products » Summary

Income

6,782 Borrowers

USD 468,700.96 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Income Generating Loan		INR 3,000 - 15,000		8.6		80% - 100%		20% - 40%		Business		Women		Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name		APR (int)		MFIN MFI Earning (Annualised)		MFIN Cost to Borrower (Annualised)		COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD		COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES		COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM		MFIN Transparency Index
Income Generating Loan		0		32.1%		42.8%								N/A

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Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Income Generating Loan		11.0% annual, Flat		1 Fee		1 Ins		None		10.0% upfront		32.1%		42.8%		26

Institution Price Graph

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
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Std Dev

By Inst Type


By Country

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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Capital de Trabajo samples

Capital de Trabajo Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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