Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2005 |
Head of Institution | Ndahayo Jules Theoneste |
Regions active | Gakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango |
# Branches | 0 |
Total Portfolio (nat'l) | RWF 1,026,255,074 |
Total Portfolio (USD) | USD 1,710,425.12 |
Active clients with loans | 3,391 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AMIR, MAIN |
Funders | Les membres qui libirent les parts sociales, ONG Trocaire, UNCDF, Terrafina |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.swadhaar.com/ |
Year established | 2008 |
Head of Institution | Veena Mankar |
Regions active | Gujarat, Maharashtra |
# Branches | 30 |
Total Portfolio (nat'l) | INR 909,845,169 |
Total Portfolio (USD) | USD 17,166,889.98 |
Active clients with loans | 92,891 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 100% |
Network affiliations |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Decouvert (One Month) Loan | RWF 500,000 - 1,500,000 | 1 | 0% - 20% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Educ, Credit Ins, Business Training | |||||||
Microloan | RWF 50,000 - 1,999,999 | 4 - 12 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Ordinary Loan | RWF 2,000,000 - 5,000,000 | 12 - 18 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Credit Ins, Business Training | |||||||
Youth Business Loan | RWF 50,000 - 2,000,000 | 4 - 24 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Specific age group | Credit Educ, Credit Ins, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Swahit - Individual Loan with Joint Liability | INR 8,000 - 34,000 | 24 | 100% | 100% | Business | Women, Have business, Specific age group, Med HH Inc, Urban HH | Credit Educ, Credit Ins | |||||||
Swayog - Individual Business Loan | INR 8,000 - 75,000 | 3 - 12 | 0% - 20% | 100% | Business | Women, Men, Have business, Specific age group, Urban HH, The client must be the owner of the business. | Credit Ins | |||||||
Top Up Loan | INR 2,000 - 5,000 | 12 | 100% | 100% | Business | Women, Have business, Specific age group, Med HH Inc, Urban HH | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Decouvert (One Month) Loan | 96.00% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 93.8% | 93.8% | 100 | ||||||||
Microloan | 22.80% annual, Decl Bal | 0 Fees | 0 Ins | 18.00% fees | 10.00%-15.00% upfront | 41% - 41.2% | 50.2% - 55.7% | 44 | ||||||||
Ordinary Loan | 22.80% annual, Decl Bal | 0 Fees | 0 Ins | 18.00% fees | 10.00%-15.00% upfront | 23.6% - 23.8% | 29.5% - 31.7% | 75 | ||||||||
Youth Business Loan | 21.60% annual, Decl Bal | 0 Fees | 0 Ins | 18.00% fees | 10.00% upfront | 22.7% - 24% | 28.5% - 30.3% | 74 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Swahit - Individual Loan with Joint Liability | 25.8% | 26.8% - 26.9% | 27.9% - 28% | Yes | Yes | Yes | 100 | |||||||
Swayog - Individual Business Loan | 28.1% - 29.9% | 31.5% - 35% | 32.8% - 37% | Yes | Yes | Yes | 100 | |||||||
Top Up Loan | 26% - 26.2% | 27.8% - 28.1% | 28.8% - 29.2% | Yes | Yes | Yes | 99 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Swahit - Individual Loan with Joint Liability | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.8% - 26.9% | 27.9% - 28% | 93 | ||||||||
Swayog - Individual Business Loan | 30.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 31.5% - 35% | 32.8% - 37% | 85 | ||||||||
Top Up Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 27.8% - 28.1% | 28.8% - 29.2% | 89 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Decouvert (One Month) Loan | 96.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 93.8% | 93.8% | 100 | ||||||||
Microloan | 22.80% annual, Decl Bal | 0 Fees | 0 Ins Ins | 18.00% fees | 10.00%-15.00% upfront | 41% - 41.2% | 50.2% - 55.7% | 44 | ||||||||
Ordinary Loan | 22.80% annual, Decl Bal | 0 Fees | 0 Ins Ins | 18.00% fees | 10.00%-15.00% upfront | 23.6% - 23.8% | 29.5% - 31.7% | 75 | ||||||||
Youth Business Loan | 21.60% annual, Decl Bal | 0 Fees | 0 Ins Ins | 18.00% fees | 10.00% upfront | 22.7% - 24% | 28.5% - 30.3% | 74 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Swahit - Individual Loan with Joint Liability | 25.8% | 26.8% - 26.9% | 27.9% - 28% | Yes | Yes | Yes | 100 | |||||||
Swayog - Individual Business Loan | 28.1% - 29.9% | 31.5% - 35% | 32.8% - 37% | Yes | Yes | Yes | 100 | |||||||
Top Up Loan | 26% - 26.2% | 27.8% - 28.1% | 28.8% - 29.2% | Yes | Yes | Yes | 99 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Swahit - Individual Loan with Joint Liability | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.8% - 26.9% | 27.9% - 28% | 93 | ||||||||
Swayog - Individual Business Loan | 30.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 31.5% - 35% | 32.8% - 37% | 85 | ||||||||
Top Up Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 27.8% - 28.1% | 28.8% - 29.2% | 89 |
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