2. Swayanshree
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ACLEDA
Please note that the information you are viewing is 167 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: 171 months

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 167 months
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Product

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Product

Micro Loan (THB) Product 3 of 6 « Prev | Next »

Product Summary

Number borrowers7,925
Loan Amount (range)INR 2,000 - 50,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training
Annual Interest & Method18.0% annual, Decl Bal
Fees2.00% upfront
Insurance0.40% upfront
TaxNone
Comp Dep20.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component20.6% - 21.8% (Int+Fee)
Insurance Component0.5% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)31.1% - 32.8%
Transparency Index (min/max)0 - 58
Transparency Index (average)57

Product Summary

7,344
THB 7,000 - 60,000
6 - 18
28.8%-32.4% annual, Decl Bal
None
None
None
N/A
 
N/A
30.4% - 33.0% (Int+Fee)
0
0
30.4% - 33.0%
78 - 95
91

Product Details

Key Statistics
Outstanding portfolio (INR)INR 48,644,708
Portfolio (USD)USD 917,824.68
Active Clients with Loans7,925
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for agriculture (land development, seeds, fertilizer, wells, vegetable cultivation, dairy), micro-enterprise, consumption (health, education, asset loss), and housing (repairs, etc.).
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 visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (THB)THB 150,884,878.10
Portfolio (USD)USD 5,114,741.63
Active Clients with Loans7,344
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Micro Loan is developed to support financial sources to borrowers for expansion of their businesses, including manufactures, trades, agriculture, services and tourism for individuals or group.
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 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 land
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 2,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average18.0 months
Grace Period
Grace period usage10%
Average grace period1.0 month
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
CurrencyTHB
Minimum loan sizeTHB 7,000
Maximum loan size60,000
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
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
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 - 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 - min0.40%
% 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 deposited0
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
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
Additional Comments
N/A

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.70%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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

General Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountINR 5,000INR 8,000INR 10,000INR 15,000INR 16,000INR 40,000
Loan Cycle (1, 2, 3, etc)112335
Disbursement Date2010-08-102010-08-102010-08-102010-08-102010-08-102010-08-11
Loan Term (Months)12.0 months18.0 months12.0 months18.0 months18.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component21.8%20.6%21.6%20.6%20.6%20.6%
Insurance Component0.8%0.5%0.7%0.5%0.5%0.5%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component10.3%10.0%9.8%10.0%10.3%10.0%
Full APR (int fee ins tax dep)32.8%31.2%32.1%31.1%31.5%31.1%
MFIN MFI Earning (Annualised)21.8%20.6%21.6%20.6%20.6%20.6%
MFIN Cost to Borrower (Annualised)32.8%31.2%32.1%31.1%31.5%31.1%
Transparency Index555856585758
MFIN Transparency IndexN/AN/AN/AN/AN/AN/A
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Micro Loan (THB) samples
Sample 1Sample 2Sample 4Sample 5
Loan AmountTHB 200,000THB 10,000THB 20,000THB 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-262010-10-282010-10-132010-10-19
Loan Term (Months)6.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component33.0%31.6%31.6%30.4%
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)33.0%31.6%31.6%30.4%
Transparency Index87919195
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
General Loan Price Graphs


Click to view Price Analysis Tool
Micro Loan (THB) Price Graphs


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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
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