2. Interactuar
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

Interactuar Cra 45 # 26-175 Bello AntioquiaCra 49 # 44-94 Medellín AntioquiaMedellín, Antioquia
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.interactuar.org.co/
Year established1983
Head of InstitutionRafael Arango Fonnegra
Regions active
# Branches12

Total Portfolio (nat'l)COP 175,100,000,000
Total Portfolio (USD)USD 96,208,655.71
Active clients with loans30,270
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsAsomicrofinanzas
Funders

Loan Products » Summary

MicroEmp.
1,162 Borrowers
USD 6,797,024.94 Portfolio
Active Product
Microcredito
28,169 Borrowers
USD 29,968,111.21 Portfolio
Active Product
Superiores
862 Borrowers
USD 8,626,316.26 Portfolio
Active Product
Empresarial
77 Borrowers
USD 48,454,565.93 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
MICROEMPRESARIALES EN EL MUNICIPIO DE PIEDECUESTA COP 12,800,001 - 40,000,000 4 - 48 40% - 60% 60% - 80% Business Women, Men, Have business
Microcrédito COP 300,000 - 12,800,000 4 - 24 40% - 60% 60% - 80% Business Women, Men, Have business
Créditos superiores COP 12,800,001 - 40,000,000 4 - 48 60% - 80% 60% - 80% Business Women, Men, Have business, Have home or land
Servicios Desarrollo Empresarial COP 100,000 - 700,000 2 - 12 40% - 60% 60% - 80% Business, Education Women, Men, Ninguno Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
MICROEMPRESARIALES EN EL MUNICIPIO DE PIEDECUESTA 21.0%-27.0% annual, Decl Bal 2 Fees 3 Ins None N/A 27.1% - 27.5% 27.8% - 29.9% 73
Microcrédito 29.0%-31.6% annual, Decl Bal 2 Fees 2 Ins None N/A 36.6% - 36.9% 37.8% - 39.3% 75
Créditos superiores 29.0%-31.6% annual, Decl Bal 2 Fees 2 Ins None N/A 30.9% - 32.5% 32.8% - 34.7% 86
Servicios Desarrollo Empresarial 21.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 22.4% - 22.6% 22.9% - 23.2% 91
Institution Price Graph
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  2. ESAF
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

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 139 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,797,160.55
Portfolio (USD)USD 109,380.39
Active Clients with Loans1,612
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
The water loan is to meet the the cost of obtaining and installing municipal water connection.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor installing water connection
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
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 INR
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 product3
Regions ActiveChhattisgarh, Madhya Pradesh, Maharashtra

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 3,000
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than INR 5,00090%
INR 5,000-15,00010%
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 term24.0 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 period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest22.00%
Highest quoted nominal interest22.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
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?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Jeevandhara samples
Sample 1Sample 2Sample 3
Loan AmountINR 5,000INR 5,000INR 6,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-192013-03-192013-02-26
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months0.6 months
Total Cost of CreditINR 556.18INR 556.18INR 856.42
True Price by Comp     
Interest price component21.5%21.5%23.6%
Fee Component2.3%2.3%1.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.1%24.1%25.8%
MFIN MFI Earning (Annualised)23.8%23.8%25.5%
MFIN Cost to Borrower (Annualised)24.1%24.1%25.8%
Transparency Index919185
MFIN Transparency Index10010093
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Jeevandhara Price Graphs


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Key Statistics
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# 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
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