2. SMILE
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PRASAC
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

S.M.I.L.E. Microfinance Limited 4, Dr.Natesan RoadAshok NagarChennai, Tamilnadu600083
Data approved: 2013-05-21
Data version: 1
Age of data: 144 months

Institution

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224
Data approved: 2011-02-03
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.smileltd.org
Year established1995
Head of InstitutionMr. M. Sathiyamoorthi
Regions activeTamil Nadu, Puducherry
# Branches151

Total Portfolio (nat'l)INR 3,017,141,968
Total Portfolio (USD)USD 56,927,206.94
Active clients with loans360,271
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsSa-Dhan, MFIN

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
Regions active0
# Branches91

Total Portfolio (nat'l)KHR 425,374,000,000
Total Portfolio (USD)USD 106,343,395.50
Active clients with loans105,953
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
FundersDragon Capital Group, FMO, BIO, LOLC

Loan Products » Summary

IGP
360,271 Borrowers
USD 56,927,206.94 Portfolio
Active Product

Loan Products » Summary

Agric USD
7,530 Borrowers
USD 32,589,623,046 Portfolio
Active Product
Agric KHR
32,809 Borrowers
USD 15,040,695.91 Portfolio
Active Product
Biodigester
1,206 Borrowers
USD 379,333 Portfolio
Active Product
Business KHR
15,589 Borrowers
USD 10,153,398.68 Portfolio
Active Product
Business USD
21,300 Borrowers
USD 178,585,000,000 Portfolio
Active Product
Consume KHR
4,406 Borrowers
USD 1,881,218.50 Portfolio
Active Product
Consume USD
8,421 Borrowers
USD 39,161,997,362 Portfolio
Active Product
Group KHR
13,682 Borrowers
USD 2,448,051.88 Portfolio
Active Product
Group USD
489 Borrowers
USD 402,575,648 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (IGP) INR 5,000 - 30,000 6 - 24 100% 40% - 60% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Agricultural Production Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Biodigester Loan (USD) USD 75 - 1,000 0 20% - 40% 0% - 20%
Business Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Business Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Consumption Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Consumption Loan (USD) USD 75 - 10,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Group Loan (KHR) KHR 50,000 - 5,000,000 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs
Group Loan (USD) USD 15 - 1,250 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100
*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
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100
*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
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeSMILEInstitutionIN-095-V01-P01ProductINCountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 180,000130,00090,00045,0005,000Number of Borrowers
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Institution Price Graph
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P01KH-010-V02-P03KH-010-V02-P05KH-010-V02-P07KH-010-V02-P09ProductKHCountry2011YearRange Number2Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 4,2003,1002,1001,000100Number 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.
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P02KH-010-V02-P04KH-010-V02-P06KH-010-V02-P08ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 6,5004,9003,2001,600100Number 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
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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