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Institution

Fundacion Sartawi C.Pedro Salazar # 509La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

Institution

Arohan Financial Services Ltd. 195/1, Prafulla, Rajdanga Chakraborty Para,Kasba,Kolkata, West BengalPO Box 700107
Data approved: 2012-11-22
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sembrarsartawi.org
Year established1990
Head of InstitutionMaria Elena Querejazu
Regions active0
# Branches19

Total Portfolio (nat'l)BOB 38,539,109
Total Portfolio (USD)USD 5,626,147.30
Active clients with loans4,798
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.arohan.in/
Year established1991
Head of InstitutionShubhankar Sengupta
Regions activeAssam, Bihar, West Bengal
# Branches86

Total Portfolio (nat'l)INR 399,408,132
Total Portfolio (USD)USD 7,536,002.49
Active clients with loans76,358
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan

Loan Products » Summary

860 Borrowers
USD 1,564,682.48 Portfolio
Active Product
686 Borrowers
USD 1,364,352 Portfolio
Active Product
382 Borrowers
USD 386,164.53 Portfolio
Active Product
645 Borrowers
USD 687,319 Portfolio
Active Product
850 Borrowers
USD 1,183,191.53 Portfolio
Active Product
855 Borrowers
USD 621,112.41 Portfolio
Active Product
453 Borrowers
USD 309,574 Portfolio
Active Product

Loan Products » Summary

5,611 Borrowers
USD 966,962.26 Portfolio
Active Product
37,941 Borrowers
USD 7,124,547.17 Portfolio
Active Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Capital de Inversión BOB 1,394 - 139,400 3.6 - 78.7 0% 20% - 40% Business Women, Men, Have business Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Inversión (USD) USD 200 - 20,000 3.6 - 78.7 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones BOB 349 - 139,400 3.7 - 36.9 20% - 40% 20% - 40% Business, Capital de Trabajo Women, Men, Have business Credit Ins, Tech Asst Visits, Other Training, Asistencia tecnica de los compradores de la produccion
Capital de Operaciones (USD) USD 50 - 20,000 3.7 - 60.9 20% - 40% 20% - 40% Business, Usar solo para capital de trabajo Women, Men, Have business Credit Ins, Business Training, Other Training, Asistencia tecnica de los compradores de la produccion
Capital Operaciones - Grupo Solidario BOB 349 - 13,940 4.1 - 24.7 20% - 40% 20% - 40% Business, Usar solo para capital de trabajo Women, Men, Have business Credit Ins, Other Training, Asistencia tecnica de los compradores de la produccion
Libre Disponibilidad BOB 349 - 20,910 3.6 - 60.8 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Salaried worker Credit Ins
Libre Disponibilidad (USD) USD 50 - 3,000 5.6 - 60.8 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Salaried worker Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bazar Loan INR 6,000 - 18,000 10 - 11 0% - 20% 80% - 100% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Saral Monthly INR 5,000 - 15,000 15 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Capital de Inversión 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Capital de Inversión (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Capital de Operaciones 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Capital de Operaciones (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Capital Operaciones - Grupo Solidario 27.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Libre Disponibilidad 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Libre Disponibilidad (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A

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
Bazar Loan 25% - 27.1% 27.1% - 29.4% 28.5% - 30.9% Yes Yes Yes 100
Saral Monthly 26% - 31.1% 27.6% - 32.9% 29.1% - 34.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bazar Loan 27.3% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.1% - 29.4% 28.5% - 30.9% 91
Saral Monthly 28.4% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.6% - 32.9% 29.1% - 34.4% 91

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Capital de Inversión 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Capital de Inversión (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Capital de Operaciones 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Capital de Operaciones (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Capital Operaciones - Grupo Solidario 27.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Libre Disponibilidad 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Libre Disponibilidad (USD) 20.0%-28.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A

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
Bazar Loan 25% - 27.1% 27.1% - 29.4% 28.5% - 30.9% Yes Yes Yes 100
Saral Monthly 26% - 31.1% 27.6% - 32.9% 29.1% - 34.4% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bazar Loan 27.3% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.1% - 29.4% 28.5% - 30.9% 91
Saral Monthly 28.4% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.6% - 32.9% 29.1% - 34.4% 91
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