Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.arohan.in/ |
Year established | 1991 |
Head of Institution | Shubhankar Sengupta |
Regions active | Assam, Bihar, West Bengal |
# Branches | 86 |
Total Portfolio (nat'l) | INR 399,408,132 |
Total Portfolio (USD) | USD 7,536,002.49 |
Active clients with loans | 76,358 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | MFIN, Sa-Dhan |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.fmsd.org.co/ |
Year established | 1960 |
Head of Institution | JUAN CARLOS FRANCO VILLEGAS |
Regions active | |
# Branches | 4 |
Total Portfolio (nat'l) | COP 16,810,083,825 |
Total Portfolio (USD) | USD 9,236,309.79 |
Active clients with loans | 6,816 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ACCION INTERNACIONAL, ASOMICROFINANZAS |
Funders | KIVA, BANCOLDEX |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bazar Loan | INR 6,000 - 18,000 | 10 - 11 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Saral Monthly | INR 5,000 - 15,000 | 15 | 80% - 100% | 80% - 100% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | COP 515,000 - 12,875,000 | 12 - 60 | 40% - 60% | 80% - 100% | Business, Solo para Activo Fijo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Capital de Trabajo | COP 257,500 - 12,875,000 | 12 - 24 | 40% - 60% | 80% - 100% | Business, Solo para Capital de Trabajo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Créditos superiores | COP 10,000,000 - 61,800,000 | 6 - 60 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Mejoramiento de vivienda | COP 515,000 - 10,300,000 | 12 - 60 | 80% - 100% | 80% - 100% | Housing | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins | |||||||
Vivienda Hipotecaria | COP 2,000,000 - 11,845,000 | 36 - 120 | 60% - 80% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bazar Loan | 25% - 27.1% | 27.1% - 29.4% | 28.5% - 30.9% | Yes | Yes | Yes | 100 | |||||||
Saral Monthly | 26% - 31.1% | 27.6% - 32.9% | 29.1% - 34.4% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bazar Loan | 27.3% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.1% - 29.4% | 28.5% - 30.9% | 91 | ||||||||
Saral Monthly | 28.4% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.6% - 32.9% | 29.1% - 34.4% | 91 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | 20.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 34.1% - 40% | 39.7% - 47.2% | 46 | ||||||||
Capital de Trabajo | 18.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 30.2% - 37.4% | 35.9% - 43.6% | 46 | ||||||||
Créditos superiores | 22.0%-28.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 26.9% - 27.9% | 31.4% - 32% | 69 | ||||||||
Mejoramiento de vivienda | 20.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 30.3% - 31.7% | 30.3% - 35.9% | 61 | ||||||||
Vivienda Hipotecaria | 16.5% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 15.6% - 16.4% | 16.9% - 17.4% | 97 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bazar Loan | 25% - 27.1% | 27.1% - 29.4% | 28.5% - 30.9% | Yes | Yes | Yes | 100 | |||||||
Saral Monthly | 26% - 31.1% | 27.6% - 32.9% | 29.1% - 34.4% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bazar Loan | 27.3% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.1% - 29.4% | 28.5% - 30.9% | 91 | ||||||||
Saral Monthly | 28.4% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.6% - 32.9% | 29.1% - 34.4% | 91 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Activos fijos | 20.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 34.1% - 40% | 39.7% - 47.2% | 46 | ||||||||
Capital de Trabajo | 18.0%-29.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 30.2% - 37.4% | 35.9% - 43.6% | 46 | ||||||||
Créditos superiores | 22.0%-28.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 26.9% - 27.9% | 31.4% - 32% | 69 | ||||||||
Mejoramiento de vivienda | 20.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 30.3% - 31.7% | 30.3% - 35.9% | 61 | ||||||||
Vivienda Hipotecaria | 16.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 15.6% - 16.4% | 16.9% - 17.4% | 97 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 ∞ |