Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.janalakshmi.com/ |
Year established | 2006 |
Head of Institution | VS Radhakrishnan |
Regions active | Gujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi |
# Branches | 66 |
Total Portfolio (nat'l) | INR 6,311,118,034 |
Total Portfolio (USD) | USD 119,077,698.80 |
Active clients with loans | 506,075 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | MFIN, AKMI |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.interactuar.org.co/ |
Year established | 1983 |
Head of Institution | Rafael Arango Fonnegra |
Regions active | |
# Branches | 12 |
Total Portfolio (nat'l) | COP 175,100,000,000 |
Total Portfolio (USD) | USD 96,208,655.71 |
Active clients with loans | 30,270 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Asomicrofinanzas |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Education Loan | INR 5,000 - 20,000 | 12 - 24 | 60% - 80% | 60% - 80% | Education | Women, Men, Must have children who are studying until the age of 24 yrs. | Credit Educ | |||||||
Small Group Loan | INR 5,000 - 50,000 | 12 - 24 | 100% | 100% | Business, Housing, Consumer, Education, Other | Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. | Credit Educ, Group Mtgs, Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
MICROEMPRESARIALES EN EL MUNICIPIO DE PIEDECUESTA | COP 12,800,001 - 40,000,000 | 4 - 48 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Microcrédito | COP 300,000 - 12,800,000 | 4 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Créditos superiores | COP 12,800,001 - 40,000,000 | 4 - 48 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Have home or land | ||||||||
Servicios Desarrollo Empresarial | COP 100,000 - 700,000 | 2 - 12 | 40% - 60% | 60% - 80% | Business, Education | Women, Men, Ninguno | Credit Educ, Tech Asst Visits, Business Training |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Education Loan | 27.5% - 28% | 33% - 33.9% | 40.4% - 41.8% | NA | NA | NA | 86 | |||||||
Small Group Loan | 27.9% - 29.6% | 28.9% - 31.5% | 30.4% - 33.4% | Yes | Yes | Yes | 92 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Education Loan | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | 12.36% fees | 10.0% upfront | 33% - 33.9% | 40.4% - 41.8% | 58 | ||||||||
Small Group Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28.9% - 31.5% | 30.4% - 33.4% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
MICROEMPRESARIALES EN EL MUNICIPIO DE PIEDECUESTA | 21.0%-27.0% annual, Decl Bal | 2 Fees | 3 Ins | None | N/A | 27.1% - 27.5% | 27.8% - 29.9% | 73 | ||||||||
Microcrédito | 29.0%-31.6% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 36.6% - 36.9% | 37.8% - 39.3% | 75 | ||||||||
Créditos superiores | 29.0%-31.6% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 30.9% - 32.5% | 32.8% - 34.7% | 86 | ||||||||
Servicios Desarrollo Empresarial | 21.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.4% - 22.6% | 22.9% - 23.2% | 91 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Education Loan | 27.5% - 28% | 33% - 33.9% | 40.4% - 41.8% | NA | NA | NA | 86 | |||||||
Small Group Loan | 27.9% - 29.6% | 28.9% - 31.5% | 30.4% - 33.4% | Yes | Yes | Yes | 92 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Education Loan | 24.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 12.36% fees | 10.0% upfront | 33% - 33.9% | 40.4% - 41.8% | 58 | ||||||||
Small Group Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28.9% - 31.5% | 30.4% - 33.4% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
MICROEMPRESARIALES EN EL MUNICIPIO DE PIEDECUESTA | 21.0%-27.0% annual, Decl Bal | 2 Fees | 3 Ins Ins | None | N/A | 27.1% - 27.5% | 27.8% - 29.9% | 73 | ||||||||
Microcrédito | 29.0%-31.6% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 36.6% - 36.9% | 37.8% - 39.3% | 75 | ||||||||
Créditos superiores | 29.0%-31.6% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 30.9% - 32.5% | 32.8% - 34.7% | 86 | ||||||||
Servicios Desarrollo Empresarial | 21.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.4% - 22.6% | 22.9% - 23.2% | 91 |
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