Sidama MFI - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sidama MFI Head OfficeHawassaPO Box 565

Data approved: 2011-12-23

Data version: 1

Age of data: 151 months

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Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2012-02-06

Data version: 2

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	N/A
Year established	1998
Head of Institution	Mr Tarekegn Bache
Regions active
# Branches	20

Total Portfolio (nat'l)	ETB 37,000,000
Total Portfolio (USD)	USD 2,010,869.57
Active clients with loans	52,914
Approximate % female clients	20% - 40%
Approximate % urban clients	20% - 40%
Network affiliations	AEMFI, MAIN
Funders	Irish Aid (initially), Care Ethiopia

Institution Details

Institution Type	Sect25
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	0
# Branches	174

Total Portfolio (nat'l)	INR 1,966,900,000
Total Portfolio (USD)	USD 37,111,320.75
Active clients with loans	274,850
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Sa-dhan, akmi, MFIN

Loan Products » Summary

Agriculture

15,345 Borrowers

USD 703,804.35 Portfolio

Active Product

General

6,350 Borrowers

USD 36,195.65 Portfolio

Active Product

Housing

8,465 Borrowers

USD 30,163.04 Portfolio

Active Product

Enterprise

6,350 Borrowers

USD 28,152.17 Portfolio

Active Product

Petty Trade

16,403 Borrowers

USD 361,956.52 Portfolio

Active Product

Service Loan

530 Borrowers

USD 2,010.87 Portfolio

Active Product

Loan Products » Summary

Emergency

138,730 Borrowers

USD 1,453,237.40 Portfolio

Active Product

Water Conn

3,527 Borrowers

USD 144,256.40 Portfolio

Active Product

IGL-Pragati

161,167 Borrowers

USD 18,925,320.75 Portfolio

Active Product

IGL-Pragati+

8,394 Borrowers

USD 353,506.25 Portfolio

Active Product

Indiv

3,219 Borrowers

USD 985,990.98 Portfolio

Active Product

Sanitation

5,260 Borrowers

USD 509,548.58 Portfolio

Active Product

Siksha

10 Borrowers

USD 1,509.43 Portfolio

Low Volume Product

General Loan

Retired Product

Income Generating Loan

Retired Product

Individual Loan (Offered by "Maarg" Division of GFS)

Retired Product

Supplementary Loan

Retired Product

Supplementary Loan 2

Retired Product

Water and Sanitation Loan

Retired Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan	ETB 300 - 50,000	3 - 24	0% - 20%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins
General Loan	ETB 300 - 10,000	12	40% - 60%	20% - 40%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Group Mtgs, Credit Ins
Housing Loan	ETB 10,000 - 100,000	12 - 24	0% - 20%	80% - 100%	Housing	Women, Men, Have home or land	Credit Ins
Micro and Small Enterprise Loan	ETB 300 - 50,000	3 - 24	0% - 20%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Petty Trade Loan	ETB 300 - 100,000	3 - 24	20% - 40%	40% - 60%	Business	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Service Loan	ETB 300 - 100,000	12 - 24	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 1,000 - 1,000	2.5	80% - 100%	20% - 40%	Any Purpose	Women	Credit Educ, Group Mtgs, Business Training
Water Connection Loan	INR 5,000 - 5,000	24	80% - 100%	0% - 20%	Housing, For taking water connection	Women, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 16,000 - 25,000	24	80% - 100%	0% - 20%	Business	Women
Individual Loan	INR 10,000 - 50,000	3 - 9	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Sanitation Loan	INR 7,000 - 10,000	24	0%	0%	Housing, For construction of toilets	Women, Have home or land	Group Mtgs, Business Training
Siksha Loan	INR 10,000 - 15,000	3 - 6	0%	0%	Education	Women, Men	Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan	12.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 40.4%	41.9% - 48.8%	27
General Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	35.6% - 35.7%	42.8% - 46.9%	40
Housing Loan	15.0%-18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.6%	34.5% - 44.2%	41
Micro and Small Enterprise Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.6% - 35.5%	32.9% - 41.8%	51
Petty Trade Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.7%	32.9% - 43.7%	48
Service Loan	18.0% annual, Flat	1 Fee	1 Ins	None	6.0% upfront 20.00 ongoing	28.7% - 28.8%	32.9% - 33.1%	54

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins	None	None	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan	12.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	35.6% - 40.4%	41.9% - 48.8%	27
General Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	35.6% - 35.7%	42.8% - 46.9%	40
Housing Loan	15.0%-18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.6%	34.5% - 44.2%	41
Micro and Small Enterprise Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.6% - 35.5%	32.9% - 41.8%	51
Petty Trade Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 35.7%	32.9% - 43.7%	48
Service Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	6.0% upfront 20.00 ongoing	28.7% - 28.8%	32.9% - 33.1%	54

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins Ins	None	None	0%	0%	N/A

Institution Price Graph

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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

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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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