2. Barasat GS
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BARASAT GRAMEEN SOCIETY Ramkrishnalane, Noapara, Barasat,Barasat, West Bengal700125
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Product

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Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,273,925
Portfolio (USD)USD 99,508.02
Active Clients with Loans1,164
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
We disburse loan among the rural and urban women for their socio-economical development. We disburse loan amounting upto Rs. 10000 and repayment made weekly basis. Interest is taken 15% P.A.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term10.6 months
Longest loan term10.6 months
Approx average10.6 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 usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
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
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Small Loan samples
Sample 1Sample 2
Loan AmountINR 5,000INR 10,000
Loan Cycle (1, 2, 3, etc)12
Disbursement Date2010-03-112010-06-12
Loan Term (Months)10.7 months10.5 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component34.2%29.7%
Insurance Component1.2%1.2%
Tax Component0.0%0.0%
Deposit Component7.7%6.8%
Full APR (int fee ins tax dep)43.1%37.7%
MFIN MFI Earning (Annualised)34.2%29.7%
MFIN Cost to Borrower (Annualised)43.1%37.7%
Transparency Index3540
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Small Loan Price Graphs


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  2. Ahantaman RB
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

Ahantaman Rural Bank Limited Head OfficeAgona Nkwanta, Western RegionP.O. Box 41
Data approved: 2013-02-11
Data version: 2
Age of data: 139 months
Choose version

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.ahantamanruralbank.com/
Year established1984
Head of InstitutionJohn Dadzie
Regions activeWestern Region
# Branches12

Total Portfolio (nat'l)GHS 19,495,388.08
Total Portfolio (USD)USD 9,896,136.08
Active clients with loans23,850
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsGHAMFIN, ARB APEX, BOG
FundersSPEED Ghana

Loan Products » Summary

Group
8,013 Borrowers
USD 1,056,011.82 Portfolio
Active Product
Salary
11,440 Borrowers
USD 5,532,702.45 Portfolio
Active Product
Sundry SME
1,867 Borrowers
USD 2,702,166.01 Portfolio
Active Product
Susu Loan
2,530 Borrowers
USD 605,255.99 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 3,000 4 - 6 80% - 100% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Salary Loan GHS 200 - 12,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Ins, Tech Asst Visits
Sundry (SME) Loan GHS 5,000 - 25,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Ins, Business Training
Susu Loan GHS 500 - 5,000 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 1 Fee 1 Ins None 10.00% upfront 86.3% - 86.7% 107.7% - 108% 44
Salary Loan 25.50%-38.00% annual, Decl Bal 1 Fee 1 Ins None N/A 47.1% - 62% 48.8% - 65.3% 45
Sundry (SME) Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins None N/A 66.3% - 66.4% 69.6% - 69.7% 50
Susu Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins None N/A 66% - 66.6% 69.2% - 69.9% 50
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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