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Institution

Poverty Eradication and Community Empowerment Yeka SubcityKebele 11/12Addis Ababa, House Number 669PO Box 5743
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

Janalakshmi Financial Services (P) Ltd. No. 302, 7th Cross, 4th Main, Domlur LayoutBangalore, Karnataka560071
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.peacemfi.org/
Year established1999
Head of InstitutionMr Tezera Kebede
Regions active
# Branches18

Total Portfolio (nat'l)ETB 44,682,307
Total Portfolio (USD)USD 2,428,386.25
Active clients with loans17,206
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, WWB
FundersOxfam Novib, Ethio-Italian Development Cooperation, Agri Service Ethiopia, RUFIP

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions active0
# Branches19

Total Portfolio (nat'l)INR 1,667,106,026
Total Portfolio (USD)USD 37,046,800.58
Active clients with loans173,918
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

14,625 Borrowers
USD 2,245,525.44 Portfolio
Active Product
2,581 Borrowers
USD 182,860.76 Portfolio
Active Product
47 Borrowers
USD 33,958.32 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

1,189 Borrowers
USD 272,796.29 Portfolio
Active Product
171,534 Borrowers
USD 35,678,590.44 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan ETB 2,000 - 5,000 3 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training, Savings training
Non-agricultural loan ETB 1,900 - 5,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Savings training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 50,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs Credit Educ
Small Group Loan INR 5,000 - 30,000 9 - 24 80% - 100% 80% - 100% Business, Housing, Consumer, Education, Other Women, group members must live within each other's vicinity, must demonstrate capacity to repay 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
Agricultural Loan 18.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00% ongoing 20.1% - 20.2% 22% - 22.2% 81
Non-agricultural loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 30.7% - 30.8% 38.2% - 40.4% 38

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
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront #N/A #N/A 63

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 18.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 10.00% ongoing 20.1% - 20.2% 22% - 22.2% 81
Non-agricultural loan 15.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 30.7% - 30.8% 38.2% - 40.4% 38

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
Education Loan 30.6% #N/A #N/A 78
Small Group Loan 0% #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63
Small Group Loan 28.0%-30.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront #N/A #N/A 63
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