2. Sambhav
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
  2. COAC SantaAnita
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

Sambhav Social Service Organization Lincoln House, 19 New Vivekanand ColonyBalwant Nagar Ext. Gandhi RaodGwalior, M.P474002
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution

Cooperativa de Ahorro y Credito Santa Anita Imbaubura 8-83 y Vicente RocafuerteCotacachi, Imbabura28034
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

Sanitation Loan Product 3 of 3 « Prev | Next »

Product

Microempresarial Product 5 of 6 « Prev | Next »

Product Summary

Number borrowers1,220
Loan Amount (range)INR 3,000 - 10,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Annual Interest & Method18.0% annual, Flat
Fees2.00% upfront
Insurance80.00-200.00 upfront
TaxNone
Comp Dep10.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component35.5% - 42.5% (Int+Fee)
Insurance Component1.4% - 4.1%
Tax Component Range0
Full APR (int fee ins tax dep)39.6% - 54.5%
Transparency Index (min/max)33 - 80
Transparency Index (average)39

Product Summary

924
USD 100 - 15,000
1 - 49
Credit Ins, Tech Asst Visits
20.1%-25.0% annual, Decl Bal
4.00% upfront 12.00 upfront
None
None
6.7% upfront 5.00 ongoing
 
N/A
18.8% - 26.9% (Int+Fee)
0 - 11.0%
0
20.7% - 41.2%
0 - N/A
69

Product Details

Key Statistics
Outstanding portfolio (INR)INR 6,200,000
Portfolio (USD)USD 116,981.13
Active Clients with Loans1,220
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
This loan is provided for constructing a house hold toilet and bathing space .
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor constructing a toilet and bathing space.
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or landx
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 institution2
# Regions for this product2
Regions ActiveMadhya Pradesh, Uttar Pradesh

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,214,168.88
Portfolio (USD)USD 1,214,168.88
Active Clients with Loans924
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Es producto esta dirigido a microempresarios sean del area rural o urbanos que se dedican a actividades microempresariales en pequena escala en actividades especificas de comercio y servicios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherTener calificacion hasta B en central de riesgos o buro de credito
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 3,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average18.0 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term49.0 months
Approx average19.0 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 interest1.50%
Highest quoted nominal interest1.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min80
Fixed amount - max200
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaIf loan amount is greater than 5000 Rs than security deposit is compulsary.
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.50%
Maximum interest rate paid3.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
We provide receipt for all the fee taken from borrower.

Pricing Information

Interest
Lowest quoted nominal interest20.05%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSeguro de DesgravamenSeguro de Vida y Seguro de Accidentes Personales (prima anual)
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min012
Fixed amount - max012
Reason for variationN/A
Appears on Repayment Sched?NoNo
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 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 deposited6.70%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Ahorros contínuous: este valor está a disposición del socio, lo que nosotros pretendemos poniéndolo en la tabla de amortización es generar en el socio un hábito de ahorro, pero si el socio no ahorra no tiene ninguna incidencia en el crédito.

Full Pricing Data

Sanitation Loan samples
Sample 1Sample 2
Loan AmountINR 5,000INR 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2010-03-222010-06-04
Loan Term (Months)12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component35.5%42.5%
Insurance Component4.1%2.5%
Tax Component0.0%0.0%
Deposit Component0.0%9.5%
Full APR (int fee ins tax dep)39.6%54.5%
MFIN MFI Earning (Annualised)35.5%42.5%
MFIN Cost to Borrower (Annualised)39.6%54.5%
Transparency Index4533
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

Microempresarial samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 2,000USD 3,000USD 10,010
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-062010-05-262010-04-132010-05-142010-05-04
Loan Term (Months)6.0 months12.0 months19.0 months25.0 months49.0 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 Component25.3%25.5%26.9%25.5%18.8%
Insurance Component11.0%2.1%0.8%0.4%0.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component4.9%3.1%3.1%2.8%1.9%
Full APR (int fee ins tax dep)41.2%30.7%30.8%28.7%20.7%
Transparency Index4965657097
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Sanitation Loan Price Graphs


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Microempresarial 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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