- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	143
AMPL	0	0	0	143
Arman	41,500	529,107,000	1	143
Arohan	43,500	8,091,000	2	143
ASA INDIA	164,000	15,380,000	1	143
Asirvad	113,500	19,328,000	1	143
Asmitha	1,114,800	217,867,000	1	143
Bandhan	4,048,600	674,564,000	5	143
Belstar	123,000	23,945,000	2	122
BSFL	275,200	31,590,000	3	143
Chaitanya	20,700	3,748,000	3	143
Disha Microfin	69,000	14,332,000	2	143
Equitas	1,220,000	186,415,000	4	143
ESAF	354,200	43,500,000	5	143
FFSL	150,600	35,719,000	2	143
Fusion	66,800	9,820,000	2	143
Grama Vidiyal	738,200	102,101,000	1	143
Grameen Koota	586,600	83,555,000	15	145
Janalakshmi	506,000	119,077,000	2	143
L & T Finance	399,800	37,199,000	1	143
MFL	331,800	49,083,000	1	143
MMFL	175,000	23,752,000	2	143
Mpower	13,600	2,263,000	2	143
Sahayata	0	0	0	143
Saija	24,700	4,682,000	2	143
Samasta	45,500	4,809,000	2	143
Satin	405,600	90,174,000	2	143
SCCI	115,600	15,910,000	2	143
Share	2,195,400	376,727,000	1	143
SKS	3,409,000	355,029,000	2	143
SMILE	360,200	56,927,000	1	143
SNFL	9,400	1,779,000	1	143
Sonata Finance	158,200	22,724,000	3	145
Spandana	533,400	147,240,000	2	143
Suryoday	78,600	14,713,000	3	143
SVCL	118,200	18,886,000	1	143
Swadhaar	92,800	17,166,000	3	143
Trident	68,700	8,852,000	1	143
Ujjivan	913,300	160,848,000	5	143
Utkarsh	168,600	25,915,000	3	143
VFS	175,400	19,264,000	2	143
Asomi	50,300	4,743,000	2	176
AES India	3,600	286,000	1	176
Arth	2,900	611,000	2	176
Asomi	50,300	4,743,000	2	176
Barasat GS	1,100	99,508.02	1	176
BJS	6,000	468,000	1	176
Cashpor	417,000	50,452,000	1	175
Credible	10,000	1,669,540.36	2	176
DIBAKAR	1,800	145,000	1	175
GOF	65,200	5,388,000	4	175
Hope	62,600	4,407,000	1	173
Jaago	2,700	237,000	1	174
LOK	4,900	573,000	1	175
Nano	25,600	3,660,000	2	176
NBSAAVS	28,100	2,821,000	1	173
Nirantara	8,200	917,000	2	175
Parama	7,100	482,000	1	175
Pragathi	26,200	4,579,000	6	175
PWMACS	36,500	5,946,000	1	175
Saadhana	90,900	12,046,000	2	175
Sambhav	1,500	183,000	3	175
Seba Rahara	6,700	468,000	1	175
SU	61,100	5,498,000	1	175
Swayanshree	7,900	918,000	2	175
Vikas Samiti	1,600	168,000	1	175
Vistaar	4,300	1,157,000	2	173
We The People	1,100	244,000	2	175
WEMCS	1,100	85,000	1	175
Yukti	1,100	99,000	2	175

Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Corporación Acción por Caldas Actuar Famiempresas Calle 20 No. 21-17Manizales, Caldas

Data approved: 2011-08-01

Data version: 1

Age of data: 171 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (COP)	COP 9,550,000,000
Portfolio (USD)	USD 5,247,252.75
Active Clients with Loans	3,702
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

CREDITOS AGILES Y OPORTUNOS PARA CAPITAL DE TRABAJO,ACTIVOS FIJOS Y OTRAS NECESIDADES DEL EMPRESARIO, CON LAS CUOTAS MAS BAJAS DEL MERCADO DE MICROCREDITO

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	VEHICULO, MOTO
Other (2)	VIAJES FAMILIARES

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other	ASESORIAS PUNTUALES Y ESPECIALIZADAS PARA EL NEGOCIO
Other (2)	CAPACITACION SOCIEMPORESARIAL, EN DESARROLLO PERSONAL Y EN ARTES Y OFICIOS
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	EL NEGOCIO PUEDE SER FORMAL O INFORMAL
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 300,000
Maximum loan size	50,000,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	60.0 months
Approx average	18.0 months

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.00%
Highest quoted nominal interest	2.40%
Reason(s) why interest rate varies	Collateral, BUEN MANEJO DE LOS CREDITOS ANTERIORES\r
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Capacitacio - MENSUALMENTE SE COBRA EL VALOR DEL RECAUDO EN LOS PUNTOS DE PAGO
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	3,000
Fixed amount - max	5,000
Reason for variation	N/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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

A PARTIR DEL SEGUNDO CREDITO Y EVALUANDO EL COMPORTAMIENTO DE LOS ANTERIORES SE DA LA POSIBILIDAD DE OBTENER CREDITOS PARA ESTUDIO,MEJORAS DE VIVIENDA,ADQUISICION DE VIVIENDA Y OTRAS NECESIDADES DEL MICROEMPRESARIO Y SU FAMILIA , IGUALMENTE DE ACUERDO AL BUEN COMPORTAMIENTO EN LOS CREDITOS ANTERIORES,PARA NUEVOS CREDITOS SE REBAJA LA TASA DE INTERES. EN TODOS LOS CASOS EL VALOR APROBADO ES ENTREGADO, A NO SER QUE EL CLEINTE QUIERA QUE LAS FECHAS DE PAGO SEAN POSTERIORES A LA FECHA DEL DESEMBOLSO, CASO EN EL CUAL SE LE DESCUENTAN LOS INTRESES CORRESPONDIENTES A LOS DIAS DE CORRIMIENTO

Full Pricing Data

Credito Acompanado samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	COP 1,500,000	COP 3,500,000	COP 7,000,000	COP 16,000,000	COP 40,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-05-06	2011-05-06	2011-05-02	2011-04-29	2011-04-27
Loan Term (Months)	18.0 months	24.0 months	34.0 months	60.0 months	60.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	33.9%	29.1%	30.0%	24.3%	24.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	33.9%	29.1%	30.0%	24.3%	24.0%
Transparency Index	71	83	80	99	100

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Credito Acompanado Price Graphs

Loan Size/

Loan Term/

Custom

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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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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By Inst Type


By Country

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