2. ASHI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AES India
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

Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Anupama Education Society (MFI)-Satna Ankita Sadan,Bharut NagarSatna, M.P.485001
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Product

Educational Loan Product 2 of 6 « Prev | Next »

Product

Income Generation Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers3,590
Loan Amount (range)PHP 3,000 - 20,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method25.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component47.3% - 48.4% (Int+Fee)
Insurance Component0 - 33.7%
Tax Component Range0
Full APR (int fee ins tax dep)47.3% - 48.4%
Transparency Index (min/max)0 - 75
Transparency Index (average)52

Product Summary

3,690
INR 5,000 - 12,000
10.9 - 12
Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Dairy Training; Financial Literacy Training
15.0% annual, Flat
2.50% upfront
1.00%-2.00% upfront
None
N/A
 
N/A
36.1% - 37.0% (Int+Fee)
2.3% - 2.4%
0
38.4% - 39.4%
38 - 39
38

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 15,432,103
Portfolio (USD)USD 369,189.07
Active Clients with Loans3,590
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan can be used to pay for tuition fee or any related school fees (including purchase of supplies or uniform) of the member or immediate family member.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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
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 (INR)INR 15,210,915
Portfolio (USD)USD 286,998.40
Active Clients with Loans3,690
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
This loan product is designed to provide loan to income generating activities.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other trainingx
OtherDairy Training; Financial Literacy Training
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 groupx
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
OtherAge Group 21 to 55
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
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term10.9 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
Additional Comments
Member's general loan must be current and there must be 4 groups in the center

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
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
% of loan amount - min1.00%
% of loan amount - max2.00%
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 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

Educational Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 5,000PHP 10,000PHP 15,000
Loan Cycle (1, 2, 3, etc)123
Disbursement Date2011-01-312011-01-312011-02-21
Loan Term (Months)11.7 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component47.3%48.4%48.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)47.3%48.4%48.4%
Transparency Index535252
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Income Generation Loan samples
Sample 1Sample 2
Loan AmountINR 5,000INR 10,000
Loan Cycle (1, 2, 3, etc)12
Disbursement Date2010-05-172010-05-18
Loan Term (Months)11.2 months11.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component36.1%37.0%
Insurance Component2.3%2.4%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)38.4%39.4%
MFIN MFI Earning (Annualised)36.1%37.0%
MFIN Cost to Borrower (Annualised)38.4%39.4%
Transparency Index3938
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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