Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.bandhanmf.com/ |
Year established | 2002 |
Head of Institution | Chandra Shekhar Ghosh |
Regions active | Assam, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Madhya Pradesh, Maharashtra, Meghalaya, Orissa, Rajasthan, Sikkim, Tripura, Uttar Pradesh, Uttarakhand, West BengalDadra and Nagar Haveli, National Capital Territory of Delhi |
# Branches | 1700 |
Total Portfolio (nat'l) | INR 35,934,903,405 |
Total Portfolio (USD) | USD 678,017,045.40 |
Active clients with loans | 4,039,061 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Sa-dhan, MFIN, Alpha Microfinance Consultants(P) Ltd. (Alpha), AMFI (Association of Microfinance Institutions), W.B |
Institution Type | Other |
Is this institution regulated? | Yes |
Website address | http://www.losandesprocredit.com.bo/ |
Year established | 1995 |
Head of Institution | Pablo Alberto González López |
Regions active | |
# Branches | 62 |
Total Portfolio (nat'l) | BOB 2,650,421,275 |
Total Portfolio (USD) | USD 392,655,003.70 |
Active clients with loans | 83,776 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | ASOFIN, ASOBAN |
Funders | ProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Suraksha Loan (Health Loan) | INR 1,000 - 10,000 | 12 | 100% | 20% - 40% | Other, It can be used only for emergency health needs. , Can NOT be used for business | Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have completed 1 loan cycle | Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness | |||||||
Suchana Loan | INR 1,000 - 15,000 | 12 | 100% | 20% - 40% | Business | Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be 18 years to 60 years | Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness | |||||||
Srishti Loan | INR 16,000 - 50,000 | 24 | 100% | 20% - 40% | Business | Women, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be 18 years to 60 years | Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness | |||||||
Susikhsha Loan | INR 1,000 - 10,000 | 12 | 100% | 20% - 40% | Education | Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have completed 1 loan cycle | Credit Educ, Group Mtgs, Other Training, Group Leadership Training, Financial Literacy & Social Awareness | |||||||
Fisheries Loan | INR 10,000 - 50,000 | 12 - 24 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must have an access to waterland | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Group Leadership Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantía de títulos valor | BOB 250 - 135,000 | 0.9 - 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito con garantía de títulos valor ME | USD 100 - 125,000 | 1.3 - 45.3 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Crédito Empresarial ME | USD 100 - 1,050,000 | 4.9 - 60.9 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante | Credit Ins, Business Training | |||||||
Crédito Empresarial MN | BOB 480 - 3,485,000 | 1 - 303.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el | Credit Ins, Business Training | |||||||
Creditos para Asalariados ME | USD 200 - 15,000 | 4 - 121 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Asalariados MN | BOB 601 - 70,000 | 1.4 - 61.4 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal | Credit Ins | |||||||
Creditos para Vivienda ME | USD 242 - 20,000 | 2 - 143 | 40% - 60% | 80% - 100% | Housing, Para Compra y construccion de vivienda, Para compra de terreno | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Creditos para Vivienda MN | BOB 800 - 140,000 | 4 - 145 | 40% - 60% | 80% - 100% | Housing, Compra o construción de Vivienda, Compra de Terreno | Women, Men, Have business | Credit Ins |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Suraksha Loan (Health Loan) | 19.8% - 19.9% | 21.9% - 22.1% | 22.2% - 22.3% | Yes | Yes | Yes | 100 | |||||||
Suchana Loan | 21.8% - 22.9% | 23.8% - 25% | 25.1% - 26.2% | Yes | Yes | Yes | 100 | |||||||
Srishti Loan | 22.5% - 22.9% | 23.5% - 24% | 24.7% - 25.2% | Yes | Yes | Yes | 100 | |||||||
Susikhsha Loan | 19.8% - 20.1% | 21.9% - 22.3% | 22.2% - 22.5% | Yes | Yes | Yes | 100 | |||||||
Fisheries Loan | 22.7% - 23.8% | 23.7% - 25.4% | 24.7% - 26.4% | Yes | Yes | Yes | 99 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Suraksha Loan (Health Loan) | 20.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 21.9% - 22.1% | 22.2% - 22.3% | 90 | ||||||||
Suchana Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 23.8% - 25% | 25.1% - 26.2% | 88 | ||||||||
Srishti Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 23.5% - 24% | 24.7% - 25.2% | 92 | ||||||||
Susikhsha Loan | 20.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 21.9% - 22.3% | 22.2% - 22.5% | 89 | ||||||||
Fisheries Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 23.7% - 25.4% | 24.7% - 26.4% | 90 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantía de títulos valor | 4.3%-25.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 7.2% - 15.1% | 7.2% - 15.1% | 42 | ||||||||
Crédito con garantía de títulos valor ME | 5.0%-22.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.1% - 14.8% | 7.9% - 14.7% | 53 | ||||||||
Crédito Empresarial ME | 5.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 16.2% - 31.1% | 16.3% - 31.2% | 22 | ||||||||
Crédito Empresarial MN | 8.5%-38.6% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 15.3% - 27.5% | 15.3% - 27.5% | 41 | ||||||||
Creditos para Asalariados ME | 6.4%-33.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 7.5% - 22.4% | 7.6% - 22.6% | 48 | ||||||||
Creditos para Asalariados MN | 6.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 16.2% - 28.4% | 16.2% - 28.4% | 28 | ||||||||
Creditos para Vivienda ME | 7.4%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | 15.00% Principal | N/A | 15.8% - 23.6% | 16% - 24% | 39 | ||||||||
Creditos para Vivienda MN | 7.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 17.2% - 30.5% | 17.2% - 30.5% | 31 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Suraksha Loan (Health Loan) | 19.8% - 19.9% | 21.9% - 22.1% | 22.2% - 22.3% | Yes | Yes | Yes | 100 | |||||||
Suchana Loan | 21.8% - 22.9% | 23.8% - 25% | 25.1% - 26.2% | Yes | Yes | Yes | 100 | |||||||
Srishti Loan | 22.5% - 22.9% | 23.5% - 24% | 24.7% - 25.2% | Yes | Yes | Yes | 100 | |||||||
Susikhsha Loan | 19.8% - 20.1% | 21.9% - 22.3% | 22.2% - 22.5% | Yes | Yes | Yes | 100 | |||||||
Fisheries Loan | 22.7% - 23.8% | 23.7% - 25.4% | 24.7% - 26.4% | Yes | Yes | Yes | 99 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Suraksha Loan (Health Loan) | 20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 21.9% - 22.1% | 22.2% - 22.3% | 90 | ||||||||
Suchana Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 23.8% - 25% | 25.1% - 26.2% | 88 | ||||||||
Srishti Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 23.5% - 24% | 24.7% - 25.2% | 92 | ||||||||
Susikhsha Loan | 20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 21.9% - 22.3% | 22.2% - 22.5% | 89 | ||||||||
Fisheries Loan | 22.9% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 23.7% - 25.4% | 24.7% - 26.4% | 90 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito con garantía de títulos valor | 4.3%-25.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 7.2% - 15.1% | 7.2% - 15.1% | 42 | ||||||||
Crédito con garantía de títulos valor ME | 5.0%-22.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 15.00% Principal | N/A | 7.1% - 14.8% | 7.9% - 14.7% | 53 | ||||||||
Crédito Empresarial ME | 5.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 15.00% Principal | N/A | 16.2% - 31.1% | 16.3% - 31.2% | 22 | ||||||||
Crédito Empresarial MN | 8.5%-38.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 15.3% - 27.5% | 15.3% - 27.5% | 41 | ||||||||
Creditos para Asalariados ME | 6.4%-33.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 15.00% Principal | N/A | 7.5% - 22.4% | 7.6% - 22.6% | 48 | ||||||||
Creditos para Asalariados MN | 6.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 16.2% - 28.4% | 16.2% - 28.4% | 28 | ||||||||
Creditos para Vivienda ME | 7.4%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 15.00% Principal | N/A | 15.8% - 23.6% | 16% - 24% | 39 | ||||||||
Creditos para Vivienda MN | 7.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 17.2% - 30.5% | 17.2% - 30.5% | 31 |
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