ASA International India Microfinance Pvt Ltd - MFTransparency.org Truth In Lending Tables

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

ASA International India Microfinance Pvt Ltd GC-8 , Sector-III, Salt Lake CityKolkata, West Bengal700106

Data approved: 2013-01-10

Data version: 2

Age of data: 139 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.asaindia.in
Year established	2008
Head of Institution	Md Tajul Islam
Regions active	Assam, Bihar, Tripura, West Bengal
# Branches	162

Total Portfolio (nat'l)	INR 815,142,477
Total Portfolio (USD)	USD 15,380,046.74
Active clients with loans	164,004
Approximate % female clients	100%
Approximate % urban clients	0% - 20%
Network affiliations

Loan Products » Summary

1st/2nd Loan

164,004 Borrowers

USD 15,380,046.74 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Primary cum Secondary Loan		INR 5,000 - 15,000		12 - 24		100%		0% - 20%		Business, Agriculture		Women, Low HH Inc, Med HH Inc		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
Primary cum Secondary Loan		25.9%		27.9%		29.1%		Yes		Yes		Yes		98

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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
Primary cum Secondary Loan		25.3%-26.0% annual, Decl Bal		1 Fee		1 Ins		12.36% fees		N/A		27.9%		29.1%		87

Institution Price Graph

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Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Rural Bank of Liloy (ZN), Inc. BaybayLiloy, Zamboanga del Norte/ Region IX7115

Data approved: 2011-11-15

Data version: 1

Age of data: 158 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 16,439,719.35
Portfolio (USD)	USD 393,294.72
Active Clients with Loans	4,036
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other	Semi-individual/ASA Methodology

Description

Offer accessible and affordable credit assistance to poor families in Zamboanga Peninsula who are willing to improve their lives. This program is primariliy for poor women/wives willing to submit to the regulations of the program.

Loan Purpose

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

Included Services

Credit education
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other
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	x
Other	2 years resident in area, Must pass Means Test
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	PHP
Minimum loan size	PHP 2,000
Maximum loan size	50,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	2.50%
Highest quoted nominal interest	2.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Service Charge
% of loan amount - min	5.00%
% of loan amount - max	5.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
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

	Ins 1
Description	Mutual Fund
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	10
Fixed amount - max	10
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 50
Conditions on access to deposit	Final Pmt

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	2.00%
Interest payment frequency	Annually

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

PMPK-GRASA Program samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	PHP 3,000	PHP 8,000	PHP 15,000	PHP 33,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-01-25	2011-03-02	2011-07-07	2011-06-30
Loan Term (Months)	5.6 months	5.6 months	5.6 months	5.6 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	83.0%	83.0%	82.9%	82.9%
Insurance Component	30.8%	11.7%	6.3%	2.8%
Tax Component	4.9%	4.8%	4.8%	4.8%
Deposit Component	46.5%	12.9%	6.2%	2.7%
Full APR (int fee ins tax dep)	165.2%	112.4%	100.1%	93.2%
Transparency Index	18	27	30	32

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

PMPK-GRASA Program 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

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


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

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

PMPK-GRASA Program samples

PMPK-GRASA Program Price Graphs

Total Borrowers of Samples

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