| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Adhikar | 35,300 | 2,674,000 | 1 | 145 |
| AMPL | 0 | 0 | 0 | 145 |
| Arman | 41,500 | 529,107,000 | 1 | 145 |
| Arohan | 43,500 | 8,091,000 | 2 | 145 |
| ASA INDIA | 164,000 | 15,380,000 | 1 | 145 |
| Asirvad | 113,500 | 19,328,000 | 1 | 145 |
| Asmitha | 1,114,800 | 217,867,000 | 1 | 145 |
| Bandhan | 4,048,600 | 674,564,000 | 5 | 145 |
| Belstar | 123,000 | 23,945,000 | 2 | 123 |
| BSFL | 275,200 | 31,590,000 | 3 | 145 |
| Chaitanya | 20,700 | 3,748,000 | 3 | 145 |
| Disha Microfin | 69,000 | 14,332,000 | 2 | 145 |
| Equitas | 1,220,000 | 186,415,000 | 4 | 145 |
| ESAF | 354,200 | 43,500,000 | 5 | 145 |
| FFSL | 150,600 | 35,719,000 | 2 | 145 |
| Fusion | 66,800 | 9,820,000 | 2 | 145 |
| Grama Vidiyal | 738,200 | 102,101,000 | 1 | 145 |
| Grameen Koota | 586,600 | 83,555,000 | 15 | 147 |
| Janalakshmi | 506,000 | 119,077,000 | 2 | 145 |
| L & T Finance | 399,800 | 37,199,000 | 1 | 145 |
| MFL | 331,800 | 49,083,000 | 1 | 145 |
| MMFL | 175,000 | 23,752,000 | 2 | 145 |
| Mpower | 13,600 | 2,263,000 | 2 | 145 |
| Sahayata | 0 | 0 | 0 | 145 |
| Saija | 24,700 | 4,682,000 | 2 | 145 |
| Samasta | 45,500 | 4,809,000 | 2 | 145 |
| Satin | 405,600 | 90,174,000 | 2 | 145 |
| SCCI | 115,600 | 15,910,000 | 2 | 145 |
| Share | 2,195,400 | 376,727,000 | 1 | 145 |
| SKS | 3,409,000 | 355,029,000 | 2 | 145 |
| SMILE | 360,200 | 56,927,000 | 1 | 145 |
| SNFL | 9,400 | 1,779,000 | 1 | 145 |
| Sonata Finance | 158,200 | 22,724,000 | 3 | 147 |
| Spandana | 533,400 | 147,240,000 | 2 | 145 |
| Suryoday | 78,600 | 14,713,000 | 3 | 145 |
| SVCL | 118,200 | 18,886,000 | 1 | 145 |
| Swadhaar | 92,800 | 17,166,000 | 3 | 145 |
| Trident | 68,700 | 8,852,000 | 1 | 145 |
| Ujjivan | 913,300 | 160,848,000 | 5 | 145 |
| Utkarsh | 168,600 | 25,915,000 | 3 | 145 |
| VFS | 175,400 | 19,264,000 | 2 | 145 |
| Asomi | 50,300 | 4,743,000 | 2 | 177 |
| AES India | 3,600 | 286,000 | 1 | 177 |
| Arth | 2,900 | 611,000 | 2 | 177 |
| Asomi | 50,300 | 4,743,000 | 2 | 177 |
| Barasat GS | 1,100 | 99,508.02 | 1 | 177 |
| BJS | 6,000 | 468,000 | 1 | 177 |
| Cashpor | 417,000 | 50,452,000 | 1 | 176 |
| Credible | 10,000 | 1,669,540.36 | 2 | 177 |
| DIBAKAR | 1,800 | 145,000 | 1 | 176 |
| GOF | 65,200 | 5,388,000 | 4 | 176 |
| Hope | 62,600 | 4,407,000 | 1 | 174 |
| Jaago | 2,700 | 237,000 | 1 | 175 |
| LOK | 4,900 | 573,000 | 1 | 176 |
| Nano | 25,600 | 3,660,000 | 2 | 177 |
| NBSAAVS | 28,100 | 2,821,000 | 1 | 174 |
| Nirantara | 8,200 | 917,000 | 2 | 176 |
| Parama | 7,100 | 482,000 | 1 | 176 |
| Pragathi | 26,200 | 4,579,000 | 6 | 176 |
| PWMACS | 36,500 | 5,946,000 | 1 | 176 |
| Saadhana | 90,900 | 12,046,000 | 2 | 176 |
| Sambhav | 1,500 | 183,000 | 3 | 176 |
| Seba Rahara | 6,700 | 468,000 | 1 | 176 |
| SU | 61,100 | 5,498,000 | 1 | 176 |
| Swayanshree | 7,900 | 918,000 | 2 | 176 |
| Vikas Samiti | 1,600 | 168,000 | 1 | 176 |
| Vistaar | 4,300 | 1,157,000 | 2 | 174 |
| We The People | 1,100 | 244,000 | 2 | 176 |
| WEMCS | 1,100 | 85,000 | 1 | 176 |
| Yukti | 1,100 | 99,000 | 2 | 176 |
| Outstanding portfolio (USD) | USD 157,302.20 |
| Portfolio (USD) | USD 157,302.20 |
| Active Clients with Loans | 176 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | x |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| 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 | Buena calificacion en la Central de Riesgos |
| Other (2) | Negocios establecidos un año |
| Currency | USD |
| Minimum loan size | USD 500 |
| Maximum loan size | 3,000 |
| Shortest loan term | 6.0 months |
| Longest loan term | 18.0 months |
| Approx average | 9.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 28.56% |
| Highest quoted nominal interest | 28.56% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 12.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 1,136.36 | USD 2,500 | USD 3,050 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2010-09-30 | 2010-08-06 | 2010-09-17 | ||
| Loan Term (Months) | 12.0 months | 3.0 months | 12.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 19.8% | 15.2% | 18.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 5.4% | 0.0% | 0.6% | ||
| Full APR (int fee ins tax dep) | 25.2% | 15.2% | 18.6% | ||
| Transparency Index | 100 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
