2. COAC San José
Please note that the information you are viewing is 175 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Jaago
Please note that the information you are viewing is 174 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 175 months

Institution

Jaago Samajik Arthik Harit Vikas Sangathan 305, Chandralok Tower,Kapoorthala,Lucknow, Uttar Pradesh226024
Data approved: 2010-12-10
Data version: 1
Age of data: 174 months

Product

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Product

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Product Summary

Number borrowers2,724
Loan Amount (range)USD 100 - 20,000
Loan Term (range)3 - 84
Other Services (text summary)Credit Ins
Annual Interest & Method12.9% annual, Decl Bal
Fees3.00% ongoing
InsuranceNone
TaxNone
Comp Dep1.00% ongoing 2.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component13.1% (Int+Fee)
Insurance Component0 - 0.4%
Tax Component Range0
Full APR (int fee ins tax dep)13.6% - 13.8%
Transparency Index (min/max)84 - 95
Transparency Index (average)94

Product Summary

2,716
INR 5,000 - 20,000
8 - 15
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Signature, Financial Discipline
24.0% annual, Decl Bal
2.50%-3.00% upfront
100.00 upfront
None
N/A
 
N/A
28.9% - 30.6% (Int+Fee)
1.2% - 2.7%
0
30.1% - 33.3%
72 - 80
76

Product Details

Key Statistics
Outstanding portfolio (USD)USD 12,223,241.28
Portfolio (USD)USD 12,223,241.28
Active Clients with Loans2,724
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Son créditos cuya fuente de repago son las remuneracios o ingresos permanenentes
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 insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
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 12,599,383
Portfolio (USD)USD 237,724.21
Active Clients with Loans2,716
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan Amount: Rs. 8000, Interest Rate: 24% Reducing, LPF: 2.5% to 3% Insurance (of member and her Husband of Rs. 10,000 Flat irrespective of Loan Amount), Installment Mode: Fortnightly, Advance Collection.
Loan Purpose
Any purpose
Income generationx
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
OtherSignature
Other (2)Financial Discipline
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term84.0 months
Approx average30.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term15.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest12.90%
Highest quoted nominal interest12.90%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount depositedUSD 2
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
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 - min2.50%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Consumo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 1,000USD 2,000USD 4,000USD 8,000USD 11,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-012010-06-012010-05-172010-06-042010-05-212010-06-01
Loan Term (Months)4.0 months12.0 months24.0 months24.0 months18.0 months48.0 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 Component13.1%13.1%13.1%13.1%13.1%13.1%
Insurance Component0.4%0.4%0.4%0.4%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.2%0.3%0.3%0.2%0.1%0.1%
Full APR (int fee ins tax dep)13.7%13.8%13.8%13.7%13.6%13.6%
Transparency Index949494949595
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

IGL samples
Sample 1Sample 2
Loan AmountINR 8,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not Known2
Disbursement Date2010-10-132010-11-10
Loan Term (Months)12.1 months15.4 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component30.6%28.9%
Insurance Component2.7%1.2%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)33.3%30.1%
MFIN MFI Earning (Annualised)30.6%28.9%
MFIN Cost to Borrower (Annualised)33.3%30.1%
Transparency Index7280
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Consumo Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAnyLoan PurposeCOAC San JoséInstitutionEC-009-V01-P02ProductECCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%5%10%15%Full APR (int fee ins tax dep)> 50020030Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
IGL Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeJaagoInstitutionIN-034-V01-P01ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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
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