Please note that the information you are viewing is
172 months old and may not represent the prices currently charged.
If you represent this MFI and wish to update your information,
click HERE
Institution
Data approved: 2010-10-25
Data version: 1
Age of data: 172 months
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.sambhavindia.org/ |
| Year established | 1988 |
| Head of Institution | Dr. S.K.Singh |
| Regions active | Madhya Pradesh, Uttar Pradesh |
| # Branches | 9 |
| Total Portfolio (nat'l) | INR 9,737,000 |
| Total Portfolio (USD) | USD 183,716.98 |
| Active clients with loans | 1,571 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
53 Borrowers
USD 11,320.75 Portfolio
Active Product
298 Borrowers
USD 55,415.09 Portfolio
Active Product
1,220 Borrowers
USD 116,981.13 Portfolio
Active Product
Loan Products » Conditions
| Product Name |
|
Loan Size Range |
|
Loan Term (months) |
|
% Female |
|
% Urban |
|
Loan Purpose |
|
Eligibility |
|
Other Services |
| House Repair |
|
INR 5,000 - 20,000 |
|
12 - 24 |
|
80% - 100% |
|
60% - 80% |
|
Housing |
|
Women, Have home or land |
|
Credit Educ, Group Mtgs, Credit Ins |
| Live Stock |
|
INR 5,000 - 20,000 |
|
12 |
|
80% - 100% |
|
0% - 20% |
|
Livestock Purchase |
|
Women, She should have experince of keeping Buffalow , cow and goat. |
|
Credit Educ, Group Mtgs, Credit Ins |
| Sanitation Loan |
|
INR 3,000 - 10,000 |
|
12 - 24 |
|
80% - 100% |
|
80% - 100% |
|
For constructing a toilet and bathing space. |
|
Women, Have home or land |
|
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
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 |
| House Repair |
|
0% |
|
33.9% |
|
41.9% |
|
|
|
|
|
|
|
N/A |
| Live Stock |
|
0% |
|
18.7% - 34.8% |
|
22.5% - 43.6% |
|
|
|
|
|
|
|
N/A |
| Sanitation Loan |
|
0% |
|
35.5% - 42.5% |
|
39.6% - 54.5% |
|
|
|
|
|
|
|
N/A |
Loan Products » Pricing Information
| Product Name |
|
Annual Nominal Interest |
|
Fees |
|
Insurance |
|
Taxes |
|
Compulsory Deposit |
|
APR (int+fee) |
|
Full APR |
|
Transparency Index |
| House Repair |
|
18.0% annual, Flat |
|
1 Fee |
|
2 Ins |
|
None |
|
10.0% upfront |
|
33.9% |
|
41.9% |
|
43 |
| Live Stock |
|
18.0% annual, Flat |
|
1 Fee |
|
1 Ins |
|
None |
|
10.0% upfront |
|
18.7% - 34.8% |
|
22.5% - 43.6% |
|
54 |
| Sanitation Loan |
|
18.0% annual, Flat |
|
1 Fee |
|
1 Ins |
|
None |
|
10.0% upfront |
|
35.5% - 42.5% |
|
39.6% - 54.5% |
|
39 |
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
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months
Key Statistics
| Outstanding portfolio (PHP) | PHP 1,066,985.45 |
| Portfolio (USD) | USD 25,525.97 |
| Active Clients with Loans | 123 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
Methodology
| Individual | x |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other | |
Description
For additional farm inputs offered to existing and new clients
Loan Purpose
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | Purchase of farm inputs |
| Other (2) | |
Included Services
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| Other training | |
| Other | Values Formation |
| Other (2) | |
| No other services | |
Eligibility
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Engaged in farming activities |
| Other (2) | |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active | |
Loan Conditions
Loan Amount
| Currency | PHP |
| Minimum loan size | PHP 5,000 |
| Maximum loan size | 50,000 |
Loan Term and Grace Period
| Shortest loan term | 4.0 months |
| Longest loan term | 4.0 months |
| Approx average | 4.0 months |
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 | x |
| Irregular payments | |
Pricing Information
Interest
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
| Fee 1 |
|---|
| Description | Loan Service Fee |
| % of loan amount - min | 3.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
Ongoing Fees
This product has no ongoing feesUpfront Insurance Fees
| Ins 1 |
|---|
| Description | Loan Redemption Fee |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | |
Deposit BEFORE or AT Disbursement
| % loan amount deposited | 5.00% |
| or, Fixed-amount deposited | 0 |
Deposits DURING period payments
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 200 |
| Conditions on access to deposit | End Term |
Interest Paid on Deposit
| Minimum interest rate paid | 2.00% |
| Maximum interest rate paid | 4.00% |
| Interest payment frequency | Quarterly |
Taxes
| Are taxes charged on this product? | No |
Additional Comments
Life Insurance required only for those without general loan; Monthly repayment of interest and CBU, lump sum payment of principal at end of loan term. Quarterly payment of interest on savings (2% for 1st - 3rd loan cycle, 4% for 4th loan cycle up)
Full Pricing Data
Agriculture Loan samples
| Sample 1 | | Sample 2 | | Sample 3 |
|---|
| Loan Amount | PHP 14,000 | | PHP 15,000 | | PHP 28,000 |
| Loan Cycle (1, 2, 3, etc) | Not Known | | 20 | | 6 |
| Disbursement Date | 2011-03-17 | | 2011-02-18 | | 2011-02-01 |
| Loan Term (Months) | 4.0 months | | 4.0 months | | 4.0 months |
| Grace Period (Months) | 0.0 months | | 0.0 months | | 0.0 months |
| Total Cost of Credit | Not Known | | Not Known | | Not Known |
| True Price by Comp | | | | | |
| Interest and Fee Component | 44.6% | | 45.8% | | 46.2% |
| Insurance Component | 6.6% | | 6.8% | | 6.9% |
| Tax Component | 0.0% | | 0.0% | | 0.0% |
| Deposit Component | 3.7% | | 3.8% | | 3.3% |
| Full APR (int fee ins tax dep) | 55.0% | | 56.5% | | 56.4% |
| Transparency Index | 65 | | 64 | | 64 |
| | | | | | |
| Original Repayment Schedule | PDF | | PDF | | PDF |
| MFT Pricing Calculation | PDF | | PDF | | PDF |
Agriculture Loan Price Graphs
