| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.smileltd.org |
| Year established | 1995 |
| Head of Institution | Mr. M. Sathiyamoorthi |
| Regions active | Tamil Nadu, Puducherry |
| # Branches | 151 |
| Total Portfolio (nat'l) | INR 3,017,141,968 |
| Total Portfolio (USD) | USD 56,927,206.94 |
| Active clients with loans | 360,271 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Sa-Dhan, MFIN |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.seilanithih.com.kh/ |
| Year established | 1996 |
| Head of Institution | Mr. Kuch Setha |
| Regions active | 0 |
| # Branches | 23 |
| Total Portfolio (nat'l) | KHR 30,034,211,431 |
| Total Portfolio (USD) | USD 7,675,494.87 |
| Active clients with loans | 14,653 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan (KHR) | KHR 100,000 - 2,400,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Ins | |||||||
| Group Loan (THB) | THB 1,000 - 24,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
| Individual Loan (THB) | THB 1,000 - 120,000 | 1 - 12 | 0% | 0% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
| Individual Loan (KHR) | KHR 100,000 - 12,000,000 | 1 - 12 | 0% | 0% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
| Individual Loan (USD) | USD 100 - 5,000 | 1 - 24 | 0% | 0% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan (KHR) | 36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Group Loan (THB) | 36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (THB) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (KHR) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (USD) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | 3.0% upfront | #N/A | #N/A | N/A |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan (KHR) | 36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Group Loan (THB) | 36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (THB) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (KHR) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
| Individual Loan (USD) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A |
| Key Statistics | |
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| # 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
