2. Grama Vidiyal
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
  2. COAC MCCH
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

Grama Vidiyal Microfinance Limited 2A Sathiya Illam,10th cross, Alli street,Annamalai NagarTrichy, Tamil Nadu620018
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
Choose version

Institution

Cooperativa de Ahorro y Crédito Maquita Cushunchic Ltda. Av. Cardenal de la Torre S15-111 y AjavíQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

Business Loan Product 1 of 3 « Prev | Next »

Product

Crédito microempresa Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers23,162
Loan Amount (range)INR 25,000 - 50,000
Loan Term (range)12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method12.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component32.7% - 33.3% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.7% - 33.3%
Transparency Index (min/max)0 - 38
Transparency Index (average)36

Product Summary

2,498
USD 80 - 10,000
3 - 36
Credit Ins
22.9% annual, Decl Bal
0.36% upfront
None
None
N/A
 
N/A
17.3% - 25.4% (Int+Fee)
0.3% - 1.3%
0
18.0% - 26.2%
87 - 127
96

Product Details

Key Statistics
Outstanding portfolio (INR)INR 323,702,472
Portfolio (USD)USD 7,193,388.27
Active Clients with Loans23,162
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Given to individuals who have demonstrated a prompt repayment history over 2 years. Loan size Rs. 25,000 - 50,000. 4% of the loan amount is collected as "Upfront Interest Income" on the day of loan disbursement.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
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

Product Details

Key Statistics
Outstanding portfolio (USD)USD 5,512,458
Portfolio (USD)USD 5,512,458
Active Clients with Loans2,498
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito cuya fuente de repago es una microempresa, destinado a la inversión en activos fijos, capital de trabajo, mejoras de vivienda, desarrollo familiar, etc.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 25,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 80
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average17.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest12.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
4% of the loan amount is collected as "Upfront Interest Income" on the day of loan disbursement.\r

Pricing Information

Interest
Lowest quoted nominal interest22.85%
Highest quoted nominal interest22.85%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de desgravamen (no es ingreso para la institucio)
% of loan amount - min0.36%
% of loan amount - max0.36%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 30,000INR 30,000INR 40,000INR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-04-152010-04-152010-03-272010-04-20
Loan Term (Months)11.7 months11.7 months11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component32.7%32.7%32.7%33.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.7%32.7%32.7%33.3%
MFIN MFI Earning (Annualised)32.7%32.7%32.7%33.3%
MFIN Cost to Borrower (Annualised)32.7%32.7%32.7%33.3%
Transparency Index37373736
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Crédito microempresa samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 418.24USD 1,000USD 2,000USD 4,000USD 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-102010-04-272010-05-192010-05-282010-05-25
Loan Term (Months)12.0 months7.0 months18.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component17.3%25.1%25.3%25.4%25.3%
Insurance Component0.7%1.1%0.5%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.0%26.2%25.8%25.7%25.7%
Transparency Index10087898989
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Loan Price Graphs


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Crédito microempresa 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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