Cashpor Micro Credit - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cashpor Micro Credit B-4 DIG ColonyMakbool Alam RoadVaranasi, Uttar Pradesh221002

Data approved: 2010-10-25

Data version: 1

Age of data: 170 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.cashpor.in/
Year established	2002
Head of Institution	Mukul Jaiswal
Regions active
# Branches	269

Total Portfolio (nat'l)	INR 2,673,981,826
Total Portfolio (USD)	USD 50,452,487.28
Active clients with loans	417,039
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations

Loan Products » Summary

Income

417,039 Borrowers

USD 50,452,487.28 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Income Generating Loan		INR 2,000 - 25,000		12		80% - 100%		0% - 20%		Any Purpose		Women		Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

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
Income Generating Loan		0		25.8% - 26%		27.9% - 28.1%								N/A

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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
Income Generating Loan		13.5% annual, Flat		0 Fees		1 Ins		None		N/A		25.8% - 26%		27.9% - 28.1%		48

Institution Price Graph

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Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Punjab Rural Support Programme 33-Civic Centre, Mustafa TownLahore, Punjab

Data approved: 2013-09-05

Data version: 1

Age of data: 132 months

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Product

Livestock Loan Product 3 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 437,474,719
Portfolio (USD)	USD 4,464,027.75
Active Clients with Loans	31,917
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

There are 31917 loans outstanding in this sector. This loan is given for Fattering, breeding of sheep & goats, fattering of calves, milk animals like cows & Buffaloes. The repayment mode is monthly, quartely, half yearly & Lump sum.

Loan Purpose

Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance	x
Other	Fattening/Breeding of Sheep, Goat, and other milk animals.
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits	x
Business training
Other training	x
Other
Other (2)
No other services	x

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Punjab

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 15,000
Maximum loan size	40,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	100%
PKR 25,000-50,000	0
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	18.0 months
Approx average	DK

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	70%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	30%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	DK

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	CIB & DC Charges	Behbood Fund
% of loan amount - min	0	0
% of loan amount - max	0	0
OR, Fixed amount - min	350	150
Fixed amount - max	350	300
Reason for variation	N/A	First time loanee pays 150. Subsequent loan is charged 300.
Appears on Repayment Sched?	Yes	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Livestock Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PKR 25,000	PKR 25,000	PKR 25,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-12-23	2013-12-23	2013-12-23
Loan Term (Months)	12.0 months	12.0 months	12.0 months
Grace Period (Months)	0.1 months	0.0 months	0.0 months
Total Cost of Credit	PKR 4,310	PKR 3,291	PKR 3,291
True Price by Comp
Interest price component	19.1%	19.9%	19.9%
Fee Component	2.7%	3.8%	3.8%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	21.8%	23.7%	23.7%
Transparency Index	N/A	N/A	N/A

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

Livestock Loan 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
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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

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

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

Livestock Loan samples

Livestock Loan Price Graphs

Total Borrowers of Samples

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