2. BSFL
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  2. FINCOOP
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Institution

Bhartiya Samruddhi Finance Limited Ascent Tower, Muncipal No.8-2-596/c/2 to c/5Road No 10, Banjara Hills.Hyderabad, Andhra Pradesh500034
Data approved: 2011-07-18
Data version: 1
Age of data: -   months 
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Institution

Finance Savings and Credit Cooperative MUSCCO HouseLilongwePO Box 1292
Data approved: 2013-01-04
Data version: 2
Age of data: 148 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.basixindia.com/
Year established1996
Head of InstitutionMr. Manmathdalai
Regions active0
# Branches138

Total Portfolio (nat'l)INR 11,024,902
Total Portfolio (USD)USD 244,997.82
Active clients with loans1,199,141
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMFIN, Sadhan

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionKingsley Mulewa
Regions activeLilongwe, Mchinji, Salima, Mzimba, Blantyre
# Branches5

Total Portfolio (nat'l)MWK 106,822,473.20
Total Portfolio (USD)USD 273,903.78
Active clients with loans4,221
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsMUSCCO, MAMN
FundersHivos, Cordaid, MUSSCO

Loan Products » Summary

Agri Allied
235,615 Borrowers
USD 54,355,547 Portfolio
Active Product
Crop Loan
63,069 Borrowers
USD 12,160,461 Portfolio
Active Product
Enterprise
610,796 Borrowers
USD 121,585,590 Portfolio
Active Product

Loan Products » Summary

Mpamba
584 Borrowers
USD 87,645.46 Portfolio
Active Product
Mwai wa Mayi
1,240 Borrowers
USD 32,650.35 Portfolio
Active Product
Phindu
800 Borrowers
USD 34,888.54 Portfolio
Active Product
Pompopompo
122 Borrowers
USD 3,565.86 Portfolio
Active Product
Umphawi
423 Borrowers
USD 39,546.22 Portfolio
Active Product
Payroll
562 Borrowers
USD 69,686.92 Portfolio
Active Product
Uchikumbe (Agriculture Loan)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Samruddhi Agri Allied Loan INR 8,000 - 30,000 23 - 24 20% - 40% 0% - 20% For improving dairy livelihoods and buying inputs, purchase of mulch animals,procurement of fodder Women, Men, Joint Liability Group Credit Ins
Samruddhi Crop Loan INR 10,000 - 30,000 11 20% - 40% 0% - 20% Business, only for working for capital crop cultivation , purchase of agriculture inputs i.e. seeds, fertili Women, Men, All farmers including tenant farmers engaged in cultivation of field crops Credit Ins
Samruddhi Micro Enterprise (NFS) Loan INR 10,000 - 30,000 23 - 24 40% - 60% 0% - 20% Business, For establishment cost,fixed cost,working capital Women, Men, Joint Liability Group Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Mpamba (Individual Business Loan) MWK 6,000 - 1,500,000 3 - 12 40% - 60% 60% - 80% Business, Housing, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Credit Ins, Business Training
Mwai wa Mayi (Female Group Loan) MWK 5,000 - 500,000 6 80% - 100% 60% - 80% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Phindu (Group Business) MWK 5,000 - 500,000 6 - 12 20% - 40% 20% - 40% Business Women, Men, Have business, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Business Training
Pompopompo (Emergency Loan) MWK 1,120 - 30,000 2 - 5 40% - 60% 80% - 100% Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Umphawi (Share Oriented Loan) MWK 5,000 - 1,500,000 3 - 12 0% - 20% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker
Payroll Loan MWK 5,000 - 1,500,000 3 - 12 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ

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
Samruddhi Agri Allied Loan 0% 25% - 25.3% 25% - 25.3% N/A
Samruddhi Crop Loan 0% 26% - 27.8% 29.9% - 31.7% N/A
Samruddhi Micro Enterprise (NFS) Loan 0% 25.1% - 25.4% 25.1% - 25.4% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 25% - 25.3% 25% - 25.3% 95
Samruddhi Crop Loan 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 26% - 27.8% 29.9% - 31.7% 68
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 2 Fees 0 Ins None N/A 25.1% - 25.4% 25.1% - 25.4% 95

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Mpamba (Individual Business Loan) 32.00%-42.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 60.1% - 78.9% 187.8% - 297% 12
Mwai wa Mayi (Female Group Loan) 45.00% annual, Flat 1 Fee 1 Ins None 33.33% upfront 82.1% - 82.8% 177% - 177.8% 25
Phindu (Group Business) 45.00% annual, Flat 1 Fee 1 Ins None 33.33% upfront 82.3% - 83.4% 176.4% - 179.8% 25
Pompopompo (Emergency Loan) 36.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 79.4% - 83.5% 298.2% - 308.4% 11
Umphawi (Share Oriented Loan) 42.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 74.8% - 79% 233.9% - 303.8% 15
Payroll Loan 38.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 68.8% - 74% 223.1% - 291.3% 16

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
Samruddhi Agri Allied Loan 0% 25% - 25.3% 25% - 25.3% N/A
Samruddhi Crop Loan 0% 26% - 27.8% 29.9% - 31.7% N/A
Samruddhi Micro Enterprise (NFS) Loan 0% 25.1% - 25.4% 25.1% - 25.4% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Samruddhi Agri Allied Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25% - 25.3% 25% - 25.3% 95
Samruddhi Crop Loan 21.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 26% - 27.8% 29.9% - 31.7% 68
Samruddhi Micro Enterprise (NFS) Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 25.1% - 25.4% 25.1% - 25.4% 95

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Mpamba (Individual Business Loan) 32.00%-42.00% annual, Flat 1 Fee 1 Ins Ins None 50.00% upfront 60.1% - 78.9% 187.8% - 297% 12
Mwai wa Mayi (Female Group Loan) 45.00% annual, Flat 1 Fee 1 Ins Ins None 33.33% upfront 82.1% - 82.8% 177% - 177.8% 25
Phindu (Group Business) 45.00% annual, Flat 1 Fee 1 Ins Ins None 33.33% upfront 82.3% - 83.4% 176.4% - 179.8% 25
Pompopompo (Emergency Loan) 36.00% annual, Flat 1 Fee 1 Ins Ins None 50.00% upfront 79.4% - 83.5% 298.2% - 308.4% 11
Umphawi (Share Oriented Loan) 42.00% annual, Flat 1 Fee 1 Ins Ins None 50.00% upfront 74.8% - 79% 233.9% - 303.8% 15
Payroll Loan 38.00% annual, Flat 1 Fee 1 Ins Ins None 50.00% upfront 68.8% - 74% 223.1% - 291.3% 16
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessOtherLoan PurposeBSFLInstitutionIN-015-V01-P01IN-015-V01-P02IN-015-V01-P03ProductINCountry2011YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 180,000130,00091,00045,0005,000Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyBusinessEmergencyMultipleLoan PurposeFINCOOPInstitutionMW-002-V02-P01MW-002-V02-P02MW-002-V02-P03MW-002-V02-P04MW-002-V02-P06MW-002-V02-P07ProductMWCountry2013YearRange Number2Institution Data Version0100,000200,000300,000400,000500,000Loan Size (all)0%100%200%300%Full APR (int fee ins tax dep)> 1,10080050020030Number of Borrowers
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