Vistaar Livelihood Financial services Private Limited - MFTransparency.org Truth In Lending Tables

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

Vistaar Livelihood Financial services Private Limited No 9,37th Main 3rd Cross. KAS officers layoutBTM 2nd StageBangalore, karnataka560076

Data approved: 2011-01-23

Data version: 1

Age of data: 170 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	N/A
Year established	1991
Head of Institution	Brahmanand Hegde
Regions active
# Branches	13

Total Portfolio (nat'l)	INR 130,679,313
Total Portfolio (USD)	USD 2,465,647.42
Active clients with loans	11,673
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations

Loan Products » Summary

High Ticket

713 Borrowers

USD 267,179.37 Portfolio

Active Product

Standard

3,661 Borrowers

USD 890,127.95 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
High Ticket livelihood Group Loan Product		INR 18,750 - 24,750		18 - 24		80% - 100%		0% - 20%		Business, Housing, Education		Women, Have business, Have home or land		Group Mtgs
Standard Ticket Loan		INR 12,850 - 15,250		18		80% - 100%		0% - 20%		Business, Housing, Education		Women, Have business, Have home or land, Min 2 members per group to have own house or shop

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
High Ticket livelihood Group Loan Product		0%		29.4% - 30.1%		30.8% - 31.8%								N/A
Standard Ticket Loan		0%		30.2% - 30.3%		31% - 32.1%								N/A

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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
High Ticket livelihood Group Loan Product		27.0% annual, Decl Bal		1 Fee		1 Ins		None		N/A		29.4% - 30.1%		30.8% - 31.8%		87
Standard Ticket Loan		27.0% annual, Decl Bal		1 Fee		1 Ins		None		N/A		30.2% - 30.3%		31% - 32.1%		85

Institution Price Graph

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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

Taytay Sa Kauswagan, Inc. A & L Building, E. Lopez SreetJaroIloilo City, Iloilo/Region VI5000

Data approved: 2011-11-15

Data version: 1

Age of data: 160 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 883,407,050
Portfolio (USD)	USD 21,134,139.95
Active Clients with Loans	206,618
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other	Co-makership of up to 2 co-makers

Description

Modified Grameen Village Banking Model. Field Officer meets the clients in group. Accountability is through co-makership

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance	x
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance	x
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 3,000
Maximum loan size	15,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	6.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	0.80%
Highest quoted nominal interest	0.80%
Reason(s) why interest rate varies	Time as Client, Client Risk
Interest rate period	Weekly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Service charge
% of loan amount - min	4.00%
% of loan amount - max	4.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	MicroEnsure
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	75
Fixed amount - max	744
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?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	PHP 150

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 1,500
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	2.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

PKK samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PHP 3,000	PHP 7,000	PHP 15,000
Loan Cycle (1, 2, 3, etc)	1	7	13
Disbursement Date	2011-06-30	2011-03-25	2011-04-25
Loan Term (Months)	5.8 months	5.8 months	5.8 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	82.0%	71.0%	87.1%
Insurance Component	8.7%	8.1%	9.3%
Tax Component	1.1%	1.0%	1.2%
Deposit Component	65.3%	16.9%	10.2%
Full APR (int fee ins tax dep)	157.2%	97.0%	107.8%
Transparency Index	26	43	39

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

PKK Price Graphs

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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

	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

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

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

PKK samples

PKK Price Graphs

Total Borrowers of Samples

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