2. Swayanshree
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. SPN
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

Swayanshree Mahila Samabaya Ltd. Near Badambadi Spl. Primary SchoolMahabir Lane, Palamandap, CuttackCuttack, Orissa753012
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 139 months
Choose version
  • No previous version for this product.

Product

Asha Loan Product 1 of 2 « Prev | Next »

Product

Micro Loan USD Product 9 of 12 « Prev | Next »

Product Summary

Number borrowers15
Loan Amount (range)INR 3,000 - 6,000
Loan Term (range)6 - 18
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method0.0% annual, Decl Bal
Fees4.00% upfront
Insurance0.40% upfront
TaxNone
Comp Dep20.0% upfront 1.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component8.9% (Int+Fee)
Insurance Component0.5% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)13.4%
Transparency Index (min/max)0 - 58
Transparency Index (average)0

Product Summary

4,656
USD 50 - 5,000
1 - 30
21.6%-42.0% annual, Decl Bal
0.20% upfront
None
None
N/A
 
21.7% - 36.0%
0.2% - 0.4%
0
0
21.9% - 36.4%
59 - 99
74

Product Details

Key Statistics
Outstanding portfolio (INR)INR 17,586
Portfolio (USD)USD 331.81
Active Clients with Loans15
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is an interest-free loan with limited fees, targeted at the poorest of the poor.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 2,095,431
Portfolio (USD)USD 2,095,431
Active Clients with Loans4,656
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro Loan is a USD currency loan to all sectors.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution22
# Regions for this product21
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 3,000
Maximum loan size6,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 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 50
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than USD 25010%
USD 250-1,00020%
USD 1,000-1,50020%
USD 1,500-2,00010%
USD 2,000-2,50020%
Greater than USD 2,50020%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term30.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months80%
Between 13 and 18 months10%
Longer than 18 months0
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 interest0
Highest quoted nominal interest0
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
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 - min0.40%
% of loan amount - max0.40%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00% - N/A
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest1.80%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionUpfront fee
% of loan amount - min0.20%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee charged are based on loan size.
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Asha Loan samples
Sample 1
Loan AmountINR 5,000
Loan Cycle (1, 2, 3, etc)1
Disbursement Date2010-05-16
Loan Term (Months)10.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component8.9%
Insurance Component0.9%
Tax Component0
Deposit Component3.6%
Full APR (int fee ins tax dep)13.4%
MFIN MFI Earning (Annualised)8.9%
MFIN Cost to Borrower (Annualised)13.4%
Transparency Index0
MFIN Transparency IndexN/A
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Micro Loan USD samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,800USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-082013-01-092013-02-092013-02-13
Loan Term (Months)12.0 months12.0 months24.0 months24.0 months
Grace Period (Months)0.1 months0.1 months0.1 months-0.1 months
Total Cost of CreditUSD 60.61USD 100.70USD 578.66USD 688.83
True Price by Comp       
Interest price component36.0%30.0%30.0%21.7%
Fee Component0.4%0.4%0.3%0.2%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.4%30.4%30.3%21.9%
Transparency Index59717198
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Asha Loan Price Graphs


Click to view Price Analysis Tool
Micro Loan USD Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞