2. Swadhaar
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Swadhaar FinServe Pvt. Ltd. 5/39 Shree Om Co-operative Housing SocietyGuru Narayan Road, Santacruz (E)Mumbai, MaharashtraPO Box 400001
Data approved: 2013-01-22
Data version: 3
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.swadhaar.com/
Year established2008
Head of InstitutionVeena Mankar
Regions activeGujarat, Maharashtra
# Branches30

Total Portfolio (nat'l)INR 909,845,169
Total Portfolio (USD)USD 17,166,889.98
Active clients with loans92,891
Approximate % female clients80% - 100%
Approximate % urban clients100%
Network affiliations

Loan Products » Summary

Swahit
87,428 Borrowers
USD 15,265,990.89 Portfolio
Active Product
Swayog
5,072 Borrowers
USD 1,392,004.70 Portfolio
Active Product
Top up
391 Borrowers
USD 508,894.40 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Swahit - Individual Loan with Joint Liability INR 8,000 - 34,000 24 100% 100% Business Women, Have business, Specific age group, Med HH Inc, Urban HH Credit Educ, Credit Ins
Swayog - Individual Business Loan INR 8,000 - 75,000 3 - 12 0% - 20% 100% Business Women, Men, Have business, Specific age group, Urban HH, The client must be the owner of the business. Credit Ins
Top Up Loan INR 2,000 - 5,000 12 100% 100% Business Women, Have business, Specific age group, Med HH Inc, Urban HH Credit Ins

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
Swahit - Individual Loan with Joint Liability 25.8% 26.8% - 26.9% 27.9% - 28% Yes Yes Yes 100
Swayog - Individual Business Loan 28.1% - 29.9% 31.5% - 35% 32.8% - 37% Yes Yes Yes 100
Top Up Loan 26% - 26.2% 27.8% - 28.1% 28.8% - 29.2% Yes Yes Yes 99
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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
Swahit - Individual Loan with Joint Liability 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 26.9% 27.9% - 28% 93
Swayog - Individual Business Loan 30.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 31.5% - 35% 32.8% - 37% 85
Top Up Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.8% - 28.1% 28.8% - 29.2% 89
Institution Price Graph
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  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

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

Microempresarial Product 5 of 6 « Prev | Next »

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
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 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

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
Microempresarial Price Graphs


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Key Statistics
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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