Grameen Financial Services Pvt. Ltd. (Grameen Koota) - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2013-05-14

Data version: 3

Age of data: 142 months

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Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200

Data approved: 2011-11-15

Data version: 1

Age of data: 160 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	Karnataka, Maharashtra, Tamil Nadu
# Branches	161

Total Portfolio (nat'l)	INR 5,238,988,264
Total Portfolio (USD)	USD 98,848,835.17
Active clients with loans	592,113
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Sa-dhan, AKMI, MFIN

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://adjesum.multiply.com/
Year established	1997
Head of Institution	Sr. Bernadette R. Dollete, CSJ
Regions active
# Branches	9

Total Portfolio (nat'l)	PhP 76,253,793
Total Portfolio (USD)	USD 1,824,253.42
Active clients with loans	9,525
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	People's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment
Funders	Catholic Relief Services

Loan Products » Summary

Emergency

146,981 Borrowers

USD 1,763,074.96 Portfolio

Active Product

Water Conn

11,223 Borrowers

USD 930,758.17 Portfolio

Active Product

IGL-Pragati

161,167 Borrowers

USD 18,925,320.75 Portfolio

Active Product

IGL-Pragati+

172,656 Borrowers

USD 56,339,632.11 Portfolio

Active Product

Sanitation

19,713 Borrowers

USD 3,173,775.72 Portfolio

Active Product

PureIT

4,971 Borrowers

USD 205,886.92 Portfolio

Active Product

Niwas

356 Borrowers

USD 157,556.98 Portfolio

Active Product

Stove Loan

1,236 Borrowers

USD 24,253.34 Portfolio

Active Product

Swavalamban

8,301 Borrowers

USD 146,243.40 Portfolio

Active Product

Education

22,097 Borrowers

USD 523,435.42 Portfolio

Active Product

Medical

271 Borrowers

USD 8,536.45 Portfolio

Active Product

Festival

16,639 Borrowers

USD 346,955.09 Portfolio

Active Product

Pragati

18,162 Borrowers

USD 1,003,256.47 Portfolio

Active Product

Arogya

2,875 Borrowers

USD 6,914.02 Portfolio

Active Product

Home

0 Borrowers

Portfolio

Low Volume Product

General Loan

Retired Product

Income Generating Loan

Retired Product

Individual Loan

Retired Product

Individual Loan (Offered by "Maarg" Division of GFS)

Retired Product

Siksha Loan

Retired Product

Supplementary Loan

Retired Product

Supplementary Loan 2

Retired Product

Water and Sanitation Loan

Retired Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Asset

120 Borrowers

USD 64,320.74 Portfolio

Active Product

Educational

221 Borrowers

USD 3,789.31 Portfolio

Active Product

Regular

11,000 Borrowers

USD 461,158.13 Portfolio

Active Product

House Repair

276 Borrowers

USD 8,752.51 Portfolio

Active Product

Micro-Agri

300 Borrowers

USD 265,383.21 Portfolio

Active Product

MultiPurpose

1,200 Borrowers

USD 81,471.36 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 1,000 - 1,000	2.56 - 2.79	100%	20% - 40%	Any Purpose	Women, Low HH Inc, Med HH Inc, Member should have running IGL Pragati or IGL Pragati Plus or Water or Sanitation loan	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Water Connection Loan	INR 5,000 - 5,000	12.1 - 24.19	100%	20% - 40%	Housing, For taking water connection	Women, Have home or land, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Jagruthi- Client Education Series, Socio-Economic Development Workshop
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 15,000 - 25,000	24 - 24.19	100%	20% - 40%	Business	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Sanitation Loan	INR 7,000 - 10,000	24 - 24.19	100%	20% - 40%	Housing, For construction of toilets	Women, Low HH Inc, Med HH Inc, Proof of ownership of the house where sanitation structure is to be erected must be provided. House ownership can be in the name of member or spouse or member's father/mother/father-in-law/mother-in-law.	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Water Loan-PureIT	INR 2,950 - 2,950	12 - 12.1	100%	20% - 40%	Consumer, To Purchase Water Purifier	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Grameen Niwas	INR 1,000 - 25,000	24.19 - 48.37	100%	20% - 40%	Housing	Women, Have home or land, Low HH Inc, Med HH Inc, All active members applying for this loan should have successfully completed 2 loan cycles of IGL Pragati/Pragati Plus loan.	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
GGI Cook Stove Loan	INR 1,250 - 1,250	5.6	100%	20% - 40%	Consumer	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Swavalamban Loan	INR 1,000 - 1,000	2.56 - 2.79	100%	20% - 40%	For Pension fund Investment for future saving	Women, Low HH Inc, Med HH Inc, Member must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Education Loan	INR 5,000 - 5,000	11.63 - 12.1	100%	20% - 40%	Education	Women, Low HH Inc, Med HH Inc, The member must have availed IGL-Pragati at least once.New members eligible after 6 months from the date of becoming the member	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Medical Loan	INR 500 - 2,000	5.58 - 5.6	100%	0% - 20%	Other, For meeting medical expenses	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Festival Loan	INR 2,000 - 2,000	5.6	100%	20% - 40%	Consumer, Other, To meet the expenses of the festival	Women, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Pragati Supplement	INR 5,000 - 5,000	5.58	100%	40% - 60%	Business	Women, Low HH Inc, Med HH Inc, This loan can be availed after 25 weeks of prompt repayment of Pragati/Pragati plus loan installments and should have at least 12 weeks of remaining repayment period, IGL-Pragati/Pragati Plus borrowers	Credit Educ, Group Mtgs, Credit Ins, Jagruthi- Client Education Series, Socio-Economic Development Workshop
Arogya Loan	INR 500 - 1,000	2.56 - 2.79	100%	20% - 40%	Other	Women, Low HH Inc, Med HH Inc, Member must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans., The member who opts for healthcare services under SNDPAP scheme is eligible for the loan.	Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Asset Acquisition - Land	PHP 40,000 - 70,000	36	80% - 100%	20% - 40%	Housing	Women, Men	Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Educational Loan	PHP 3,000 - 5,000	6	80% - 100%	0% - 20%	Education	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Business Training
Grameen I or Regular Loan	PHP 3,000 - 60,000	6 - 12	80% - 100%	0% - 20%	Any Purpose	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan	PHP 3,000 - 5,000	6	80% - 100%	20% - 40%	Housing	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Micro-Agri Loan	PHP 5,000 - 70,000	6 - 12	60% - 80%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Multi Purpose Loan	PHP 5,000 - 15,000	6 - 12	80% - 100%	20% - 40%	Any Purpose	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, 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
Emergency Loan	24.5% - 34%	32.9% - 45.6%	33.9% - 47.1%	Yes	Yes	NA	89
Water Connection Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
IGL-Pragati	26% - 26.1%	28% - 28.2%	36.4% - 45.1%	Yes	Yes	Yes	100
IGL-Pragati Plus	26%	27.1%	31.5%	Yes	Yes	Yes	100
Sanitation Loan	22%	23.1%	26.6%	Yes	Yes	Yes	100
Water Loan-PureIT	24%	26.1%	27.4%	Yes	Yes	Yes	100
Grameen Niwas	21.8% - 22%	22.9% - 23.1%	24% - 24.3%	Yes	Yes	Yes	100
GGI Cook Stove Loan	24.2%	28.3%	28.9%	Yes	Yes	NA	99
Swavalamban Loan	24.5%	32.9%	33.9%	Yes	Yes	NA	98
Education Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
Medical Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Festival Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Pragati Supplement	26%	30.1%	37.1%	Yes	Yes	Yes	100
Arogya Loan	22.6% - 22.9%	30.9% - 31.1%	31.9% - 32.1%	Yes	Yes	NA	97

*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
Emergency Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	32.9% - 45.6%	33.9% - 47.1%	64
Water Connection Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	24.2%	27.6%	80
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	28% - 28.2%	36.4% - 45.1%	64
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	27.1%	31.5%	83
Sanitation Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	23.1%	26.6%	83
Water Loan-PureIT	24.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.1%	27.4%	87
Grameen Niwas	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	22.9% - 23.1%	24% - 24.3%	91
GGI Cook Stove Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	28.3%	28.9%	83
Swavalamban Loan	24.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	32.9%	33.9%	71
Education Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	24.2%	27.6%	80
Medical Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.4%	33.4%	66
Festival Loan	22.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	26.4%	33.4%	66
Pragati Supplement	26.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	30.1%	37.1%	70
Arogya Loan	22.0% annual, Decl Bal	1 Fee	0 Ins	12.36% fees	N/A	30.9% - 31.1%	31.9% - 32.1%	69

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Acquisition - Land	10.0% annual, Flat	1 Fee	2 Ins	None	N/A	73.8%	78.7%	13
Educational Loan	0.0% annual, Flat	1 Fee	2 Ins	None	N/A	12.3%	125%	0
Grameen I or Regular Loan	36.0% annual, Flat	1 Fee	2 Ins	1.00% loan amt	5.0% upfront 8.00-20.00 ongoing	73.8% - 81.8%	87% - 224%	31
House Repair Loan	12.0% annual, Flat	1 Fee	2 Ins	None	N/A	23.6%	174.9%	7
Micro-Agri Loan	36.0% annual, Flat	1 Fee	1 Ins	None	N/A	42.9% - 43.7%	44.4% - 56.4%	74
Multi Purpose Loan	36.0% annual, Flat	1 Fee	2 Ins	None	5.0% upfront 20.00 ongoing	73.8%	102.6% - 139.1%	30

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
Emergency Loan	24.5% - 34%	32.9% - 45.6%	33.9% - 47.1%	Yes	Yes	NA	89
Water Connection Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
IGL-Pragati	26% - 26.1%	28% - 28.2%	36.4% - 45.1%	Yes	Yes	Yes	100
IGL-Pragati Plus	26%	27.1%	31.5%	Yes	Yes	Yes	100
Sanitation Loan	22%	23.1%	26.6%	Yes	Yes	Yes	100
Water Loan-PureIT	24%	26.1%	27.4%	Yes	Yes	Yes	100
Grameen Niwas	21.8% - 22%	22.9% - 23.1%	24% - 24.3%	Yes	Yes	Yes	100
GGI Cook Stove Loan	24.2%	28.3%	28.9%	Yes	Yes	NA	99
Swavalamban Loan	24.5%	32.9%	33.9%	Yes	Yes	NA	98
Education Loan	22.1%	24.2%	27.6%	Yes	Yes	Yes	100
Medical Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Festival Loan	22.2%	26.4%	33.4%	Yes	Yes	Yes	99
Pragati Supplement	26%	30.1%	37.1%	Yes	Yes	Yes	100
Arogya Loan	22.6% - 22.9%	30.9% - 31.1%	31.9% - 32.1%	Yes	Yes	NA	97

*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
Emergency Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	32.9% - 45.6%	33.9% - 47.1%	64
Water Connection Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	24.2%	27.6%	80
IGL-Pragati	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	28% - 28.2%	36.4% - 45.1%	64
IGL-Pragati Plus	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	27.1%	31.5%	83
Sanitation Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	23.1%	26.6%	83
Water Loan-PureIT	24.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.1%	27.4%	87
Grameen Niwas	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	22.9% - 23.1%	24% - 24.3%	91
GGI Cook Stove Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	28.3%	28.9%	83
Swavalamban Loan	24.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	32.9%	33.9%	71
Education Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	24.2%	27.6%	80
Medical Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.4%	33.4%	66
Festival Loan	22.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	26.4%	33.4%	66
Pragati Supplement	26.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	30.1%	37.1%	70
Arogya Loan	22.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	30.9% - 31.1%	31.9% - 32.1%	69

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Acquisition - Land	10.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	73.8%	78.7%	13
Educational Loan	0.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	12.3%	125%	0
Grameen I or Regular Loan	36.0% annual, Flat	1 Fee	2 Ins Ins	1.00% loan amt	5.0% upfront 8.00-20.00 ongoing	73.8% - 81.8%	87% - 224%	31
House Repair Loan	12.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	23.6%	174.9%	7
Micro-Agri Loan	36.0% annual, Flat	1 Fee	1 Ins Ins	None	N/A	42.9% - 43.7%	44.4% - 56.4%	74
Multi Purpose Loan	36.0% annual, Flat	1 Fee	2 Ins Ins	None	5.0% upfront 20.00 ongoing	73.8%	102.6% - 139.1%	30

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Key Statistics
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# Countries
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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