2. NBSAAVS
Please note that the information you are viewing is 173 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FDM
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Nirmaan Bharati Samajik and Arthik Vikas Sangathan B-991 Sector- A, Mandir MargMahanagarLucknow, Uttar Pradesh226006
Data approved: 2011-01-23
Data version: 1
Age of data: 173 months

Institution

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2013-05-22
Data version: 2
Age of data: 145 months
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Product Summary

Number borrowers28,193
Loan Amount (range)INR 5,000 - 10,000
Loan Term (range)12
Other Services (text summary)Group Mtgs
Annual Interest & Method15.0% annual, Flat
Fees2.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component34.6% - 34.8% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)34.6% - 34.8%
Transparency Index (min/max)43
Transparency Index (average)43

Product Summary

3,182
MZN 640 - 350,000
2 - 6
Group Mtgs, Credit Ins, Tech Asst Visits
60.0%-66.0% annual, Flat
25.00 upfront
1.00% upfront
None
10.00% ongoing
 
34.2% - 86.2%
0.2% - 8.0%
4.0% - 8.2%
0
79.8% - 102.1%
56 - 91
63

Product Details

Key Statistics
Outstanding portfolio (INR)INR 149,519,664
Portfolio (USD)USD 2,821,125.74
Active Clients with Loans28,193
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Small Business Loans
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 (MZN)MZN 16,892,497
Portfolio (USD)USD 555,674.24
Active Clients with Loans3,182
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Para pequeno comercio, consumo, pequenas industrias, servicos
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
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 workerx
Must be specific age group
Othertem de ser empresrio pelo menos 6 meses ou ser salariado
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveMaputo Capital, Maputo Province, Inhambane, Gaza

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
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
CurrencyMZN
Minimum loan sizeMZN 640
Maximum loan size350,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,00010%
MZN 5,000-10,00040%
MZN 10,000-20,00020%
MZN 20,000-40,00010%
MZN 40,000-60,00010%
Greater than MZN 60,00010%
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less50%
Between 4 and 6 months50%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?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 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

Pricing Information

Interest
Lowest quoted nominal interest5.00%
Highest quoted nominal interest5.50%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa Administrativa
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro do Credito para caso de morte
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

5k30w samples
Sample 1Sample 2
Loan AmountINR 5,000INR 10,000
Loan Cycle (1, 2, 3, etc)12
Disbursement Date2010-09-282010-09-30
Loan Term (Months)11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component34.8%34.6%
Insurance Component0.0%0.0%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)34.8%34.6%
MFIN MFI Earning (Annualised)34.8%34.6%
MFIN Cost to Borrower (Annualised)34.8%34.6%
Transparency Index4343
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Credito Geral samples
Sample 1Sample 2Sample 3Sample 4Sample 6
Loan AmountMZN 2,080MZN 3,000MZN 7,000MZN 12,920MZN 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-102013-05-022013-03-202013-03-102013-03-15
Loan Term (Months)2.4 months3.1 months3.1 months3.1 months3.1 months
Grace Period (Months)0.3 months-0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditMZN 253.80MZN 505MZN 1,145MZN 2,092.20MZN 9,625
True Price by Comp         
Interest price component63.0%85.8%86.2%84.3%84.3%
Fee Component8.0%5.2%2.2%1.1%0.2%
Insurance Component6.8%6.3%6.4%6.2%6.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%4.8%4.6%4.2%4.1%
Full APR (int fee ins tax dep)79.8%102.1%99.4%95.8%94.8%
Transparency Index7559606363
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
5k30w Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeNBSAAVSInstitutionIN-046-V01-P01ProductINCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 14,00010,0007,0003,500300Number 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.
Click to view Price Analysis Tool
Credito Geral Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeFDMInstitutionMZ-009-V02-P02ProductMZCountry2013YearRange Number2Institution Data Version010,00020,00030,00040,00050,00060,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 1,20090060030030Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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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Total Borrowers of Samples

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