| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.contactar-pasto.org/ |
| Year established | 1971 |
| Head of Institution | Gloria Lucía Bustos Chaves |
| Regions active | |
| # Branches | 21 |
| Total Portfolio (nat'l) | COP 34,006,476,957 |
| Total Portfolio (USD) | USD 18,684,877.45 |
| Active clients with loans | 24,982 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | EMPRENDER, FOROLACFR |
| Funders | CORPONARIÑO - GTZ, ARTESANIAS DE COLOMBIA, FUNDACION SOCIAL, CORFAS |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.armanindia.com/ |
| Year established | 1992 |
| Head of Institution | Jayendra Patel |
| Regions active | Gujarat |
| # Branches | 24 |
| Total Portfolio (nat'l) | INR 28,042,700,000 |
| Total Portfolio (USD) | USD 529,107,547.20 |
| Active clients with loans | 41,503 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MFIN, Sa-Dhan |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | COP 12,875,001 - 103,000,000 | 1 - 60 | 40% - 60% | 40% - 60% | Any Purpose, Principalmente para capital de trabajo y activos f, Sustitución de pasivos | Women, Men, Have business | Eventualmente capacitación y asistencia técnica | |||||||
| Microcrédito | COP 200,000 - 103,000,000 | 1 - 60 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Eventualmente capacitación y asistencia técnica |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | INR 8,000 - 15,000 | 12 | 100% | 40% - 60% | Business, Housing, Education, Other | Women, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | 23.8% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 21.2% - 21.3% | 22.5% - 22.7% | 100 | ||||||||
| Microcrédito | 25.0%-31.9% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 38.4% - 41.2% | 39.6% - 42.6% | 61 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.4% - 25.4% | 26.3% - 27.3% | 29.1% - 30.2% | Yes | Info awaited | Info awaited | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.5%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.3% - 27.3% | 29.1% - 30.2% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Comercial | 23.8% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 21.2% - 21.3% | 22.5% - 22.7% | 100 | ||||||||
| Microcrédito | 25.0%-31.9% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 38.4% - 41.2% | 39.6% - 42.6% | 61 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.4% - 25.4% | 26.3% - 27.3% | 29.1% - 30.2% | Yes | Info awaited | Info awaited | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 24.5%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.3% - 27.3% | 29.1% - 30.2% | 83 |
| 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
