Codesarrollo - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha

Data approved: 2010-11-11

Data version: 1

Age of data: 175 months

Download Data

Analyze Data

Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2012-02-06

Data version: 2

Age of data: - months

Download Data

Analyze Data

Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	N/A
Year established	1998
Head of Institution	CARLOS MARZON ORTIZ
Regions active
# Branches	15

Total Portfolio (nat'l)	USD 46,867,654
Total Portfolio (USD)	USD 46,867,654
Active clients with loans	15,532
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	Red Financiera Rural
Funders

Institution Details

Institution Type	Sect25
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	0
# Branches	174

Total Portfolio (nat'l)	INR 1,966,900,000
Total Portfolio (USD)	USD 37,111,320.75
Active clients with loans	274,850
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Sa-dhan, akmi, MFIN

Loan Products » Summary

Sarrollo

3,957 Borrowers

USD 6,199,730 Portfolio

Mergente

148 Borrowers

USD 97,371 Portfolio

Microempresa

5,804 Borrowers

USD 15,830,467 Portfolio

Particular

1,812 Borrowers

USD 4,813,813 Portfolio

Tierras

117 Borrowers

USD 709,627 Portfolio

Vivienda

2,540 Borrowers

USD 12,587,370 Portfolio

Efectivo

39 Borrowers

USD 90,099 Portfolio

Note: MFTransparency presents full data for s with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Emergency

138,730 Borrowers

USD 1,453,237.40 Portfolio

Water Conn

3,527 Borrowers

USD 144,256.40 Portfolio

IGL-Pragati

161,167 Borrowers

USD 18,925,320.75 Portfolio

IGL-Pragati+

8,394 Borrowers

USD 353,506.25 Portfolio

Indiv

3,219 Borrowers

USD 985,990.98 Portfolio

Sanitation

5,260 Borrowers

USD 509,548.58 Portfolio

Siksha

10 Borrowers

USD 1,509.43 Portfolio

General Loan

Income Generating Loan

Individual Loan (Offered by "Maarg" Division of GFS)

Supplementary Loan

Supplementary Loan 2

Water and Sanitation Loan

Note: MFTransparency presents full data for s with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credidesarrollo	USD 200 - 15,000	6 - 38	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Ins, Seguro de Desgravamen
Crediemergente	USD 500 - 1,000	2 - 14	40% - 60%	60% - 80%	Any Purpose	Women, Men
Credimicroempresarial	USD 400 - 20,000	6 - 50	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Ins, Seguro de Desgravamen
Crediparticular	USD 200 - 15,000	5 - 38	40% - 60%	0% - 20%	Any Purpose	Women, Men, Salaried worker	Credit Ins, Seguro de Desgravamen
Creditierras	USD 1,000 - 15,000	15 - 62	20% - 40%	60% - 80%	Business, Compra, o legalización, o la titularización de la , tierra destinada a la prducción agrícola, pecuaria	Women, Men, Orientado a organizaciones campesinas y/o miembros de organizaciones campesinas	Credit Ins, Seguro de Desgravamen
Credivivienda	USD 1,000 - 25,000	8 - 86	40% - 60%	60% - 80%	Housing, Adquisicion, Construccion, Terminacion de vivienda	Women, Men	Credit Ins, Seguro de Desgravamen

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 1,000 - 1,000	2.5	80% - 100%	20% - 40%	Any Purpose	Women	Credit Educ, Group Mtgs, Business Training
Water Connection Loan	INR 5,000 - 5,000	24	80% - 100%	0% - 20%	Housing, For taking water connection	Women, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 16,000 - 25,000	24	80% - 100%	0% - 20%	Business	Women
Individual Loan	INR 10,000 - 50,000	3 - 9	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Sanitation Loan	INR 7,000 - 10,000	24	0%	0%	Housing, For construction of toilets	Women, Have home or land	Group Mtgs, Business Training
Siksha Loan	INR 10,000 - 15,000	3 - 6	0%	0%	Education	Women, Men	Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credidesarrollo	16.0% annual, Decl Bal	None	N/A	16%	16%	100
Crediemergente	14.0%-17.0% annual, Decl Bal	None	N/A	17%	17%	82
Credimicroempresarial	11.4%-17.0% annual, Decl Bal	None	N/A	17%	17%	67
Crediparticular	14.0% annual, Decl Bal	None	N/A	14%	14%	100
Creditierras	12.0%-13.0% annual, Decl Bal	None	N/A	12%	12%	100
Credivivienda	10.0%-17.0% annual, Decl Bal	None	N/A	10% - 17%	10% - 17%	71

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins	None	None	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credidesarrollo	16.0% annual, Decl Bal	0 Ins Ins	None	N/A	16%	16%	100
Crediemergente	14.0%-17.0% annual, Decl Bal	0 Ins Ins	None	N/A	17%	17%	82
Credimicroempresarial	11.4%-17.0% annual, Decl Bal	0 Ins Ins	None	N/A	17%	17%	67
Crediparticular	14.0% annual, Decl Bal	0 Ins Ins	None	N/A	14%	14%	100
Creditierras	12.0%-13.0% annual, Decl Bal	0 Ins Ins	None	N/A	12%	12%	100
Credivivienda	10.0%-17.0% annual, Decl Bal	0 Ins Ins	None	N/A	10% - 17%	10% - 17%	71

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins Ins	None	None	0%	0%	N/A

Institution Price Graph

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

Institution Price Graph

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

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
	to
	to ∞

Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

Learn More

MFTransparency News

Explore Resources