Nirmaan Bharati Samajik and Arthik Vikas Sangathan - 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

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: 170 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.nirmaanbharati.org/
Year established	2006
Head of Institution	Moses Prashant Rao
Regions active
# Branches	7

Total Portfolio (nat'l)	INR 149,519,664
Total Portfolio (USD)	USD 2,821,125.74
Active clients with loans	28,193
Approximate % female clients	80% - 100%
Approximate % urban clients	80% - 100%
Network affiliations	Sa-dhan

Loan Products » Summary

28,193 Borrowers

USD 2,821,125.74 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
5k30w		INR 5,000 - 10,000		12		80% - 100%		80% - 100%		Business, Consumer		Women		Group Mtgs

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
5k30w		0		34.6% - 34.8%		34.6% - 34.8%								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
5k30w		15.0% annual, Flat		1 Fee		0		None		N/A		34.6% - 34.8%		34.6% - 34.8%		43

Institution Price Graph

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Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 140 months

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Product

Inst VB (THB) Product 9 of 16 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (THB)	THB 9,454,620
Portfolio (USD)	USD 320,495.59
Active Clients with Loans	1,670
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Inst VB (THB) is designed for a group member who joined the village. The installments are paid every month.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

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

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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	24
# Regions for this product	2
Regions Active	Banteay Meanchey, Koh Kong

Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 500
Maximum loan size	10,000

Distribution at Disbursement (Est.)

Loans less than THB 10,000	100%
THB 10,000-30,000	0
THB 30,000-50,000	0
THB 50,000-70,000	0
THB 70,000-90,000	0
Greater than THB 90,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	9.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	10%
Between 10 and 12 months	90%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	2.60%
Highest quoted nominal interest	2.60%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Administration Fee
% of loan amount - min	0.50%
% of loan amount - max	0.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
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 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

Inst VB (THB) samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	THB 2,000	THB 5,000	THB 10,000	THB 10,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2012-08-13	2013-03-28	2013-03-28	2013-02-07
Loan Term (Months)	12.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	-0.2 months	-0.2 months	-0.1 months
Total Cost of Credit	THB 355	THB 863	THB 1,727	THB 1,737
True Price by Comp
Interest price component	31.3%	31.3%	31.2%	31.2%
Fee Component	1.0%	1.0%	1.1%	1.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	32.3%	32.3%	32.3%	32.2%
Transparency Index	97	97	97	97

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

Inst VB (THB) 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
	to
	to ∞

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

Inst VB (THB) samples

Inst VB (THB) Price Graphs

Total Borrowers of Samples

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