Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.sccimicrofinance.com/ |
Year established | 1995 |
Head of Institution | Mrs. R.Girija |
Regions active | Andhra Pradesh, Karnataka, Maharashtra, Orissa, Tamil Nadu |
# Branches | 83 |
Total Portfolio (nat'l) | INR 892,862,262 |
Total Portfolio (USD) | USD 16,846,457.77 |
Active clients with loans | 121,066 |
Approximate % female clients | 100% |
Approximate % urban clients | 60% - 80% |
Network affiliations | MFIN, SA-DHAN |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.cepesiu.org.ec/ |
Year established | 1983 |
Head of Institution | Cecilia Padilla |
Regions active | |
# Branches | 3 |
Total Portfolio (nat'l) | USD 939,466.31 |
Total Portfolio (USD) | USD 939,466.31 |
Active clients with loans | 2,011 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fortnightly Loan | INR 5,000 - 30,000 | 12 - 24 | 100% | 60% - 80% | Business, Education | Women, Have business, Low HH Inc, Med HH Inc, 3 Out of 5 members should have own house in a group, Age should be above 18 and upto 58 | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Weekly JLG | INR 5,000 - 30,000 | 12 - 24 | 100% | 80% - 100% | Business, Education | Women, Have business, Low HH Inc, Med HH Inc, 3 out of 5 members should have own house, Age should be above 18 and upto 58 | Credit Educ, Group Mtgs, Credit Ins, Business Training, Product Linkages |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | USD 500 - 1,500 | 4 - 8 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto | Tech Asst Visits | |||||||
Programa de Crédito Individual (PCI) | USD 500 - 3,000 | 6 - 18 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año | Tech Asst Visits | |||||||
Programa Grupo Solidario | USD 200 - 1,500 | 4 - 18 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. | Tech Asst Visits | |||||||
Sociedad Popular de Inversión SPI | USD 300 - 10,000 | 4 - 24 | 40% - 60% | 20% - 40% | Business | Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento | Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fortnightly Loan | 26.8% - 27.3% | 29.1% - 29.6% | 30.9% - 31.5% | Yes | Yes | Yes | 93 | |||||||
Weekly JLG | 25.8% - 26.6% | 28% - 28.8% | 29.8% - 30.6% | Yes | Yes | Yes | 96 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fortnightly Loan | 25.0%-26.7% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 29.1% - 29.6% | 30.9% - 31.5% | 80 | ||||||||
Weekly JLG | 25.0%-26.7% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28% - 28.8% | 29.8% - 30.6% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 28.9% - 29% | 32.9% | 87 | ||||||||
Programa de Crédito Individual (PCI) | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 15.2% - 19.8% | 15.2% - 25.2% | 100 | ||||||||
Programa Grupo Solidario | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 19.8% - 24.8% | 25.2% - 31.1% | 97 | ||||||||
Sociedad Popular de Inversión SPI | 26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 19% - 24.8% | 19% - 24.8% | 100 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fortnightly Loan | 26.8% - 27.3% | 29.1% - 29.6% | 30.9% - 31.5% | Yes | Yes | Yes | 93 | |||||||
Weekly JLG | 25.8% - 26.6% | 28% - 28.8% | 29.8% - 30.6% | Yes | Yes | Yes | 96 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fortnightly Loan | 25.0%-26.7% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 29.1% - 29.6% | 30.9% - 31.5% | 80 | ||||||||
Weekly JLG | 25.0%-26.7% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28% - 28.8% | 29.8% - 30.6% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 28.9% - 29% | 32.9% | 87 | ||||||||
Programa de Crédito Individual (PCI) | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 15.2% - 19.8% | 15.2% - 25.2% | 100 | ||||||||
Programa Grupo Solidario | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 19.8% - 24.8% | 25.2% - 31.1% | 97 | ||||||||
Sociedad Popular de Inversión SPI | 26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 19% - 24.8% | 19% - 24.8% | 100 |
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