- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	151
Ahantaman RB	23,800	9,896,000	4	133
APED	13,700	1,876,000	2	133
ASA Initiative	4,400	577,000	4	133
ASA-Ghana	71,600	18,385,000	2	133
ASPI	800	88,000	6	133
Atwima Kwanwoma	3,800	1,788,000	2	133
Baobab	5,100	967,000	2	133
BestFUND	13,000	4,172,000	3	133
Bonzali Rural	10,400	1,691,000	4	151
CashPhase	83	135,000	2	133
CASUD	1,100	524,000	1	133
CEDEF	500	54,000	4	133
CFF	100	13,000	1	133
CRAN	3,600	1,019,000	2	133
DQF	1,700	63,000	2	133
EASL	9,200	11,409,000	6	133
East Mamprusi	12,500	2,268,000	4	133
ELDA	0	0	0	133
EMPRETEC Ghana	200	56,000	2	133
FASL	13,500	14,047,000	8	133
Grameen Ghana	9,500	507,000	3	133
ID-Ghana	5,600	953,000	3	133
Innovative Finance	2,700	354,000	3	133
Kraban Support	7,700	781,000	5	151
KRB	4,000	6,350,000	3	133
Lower Pra RB	34,000	6,316,000	3	151
Maata-N-Tudu	12,000	941,000	4	133
Mail Finance	300	288,000	1	133
Markaz	0	0	0	133
Markaz Al Bishara	100	17,000	1	133
MicrofinPlus Gh	1,100	251,000	2	133
Nwabiagya RB	4,000	2,265,000	3	133
OISL	62,000	27,232,000	9	133
Pro Credit	0	0	0	133
Rich Step	100	101,000	1	133
SAT	147,600	29,359,000	4	133
Sekam Trust	600	137,000	2	133
Simli Pong	8,900	463,000	3	151
SS Ghana	200	35,000	1	133
TCCU	100	32,000	3	133
The Bridge	400	32,000	3	151
Union RB	3,800	2,361,000	4	133

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

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

Data approved: 2011-03-25

Data version: 1

Age of data: - months

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Product

Water Connection Loan Product 2 of 7 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (INR)	INR 7,645,589
Portfolio (USD)	USD 169,901.98
Active Clients with Loans	3,527
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group	x
Other

Description

The product is offered for taking water connection

Loan Purpose

Any purpose
Income generation
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other	For taking water connection
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business
Must own a home or land	x
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 5,000
Maximum loan size	5,000

Loan Term and Grace Period

Shortest loan term	24.0 months
Longest loan term	24.0 months
Approx average	24.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks	x
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	21.00%
Highest quoted nominal interest	21.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Water Connection Loan samples

	Sample 1
Loan Amount	INR 5,000
Loan Cycle (1, 2, 3, etc)	Not Known
Disbursement Date	2011-09-30
Loan Term (Months)	24.3 months
Grace Period (Months)	0
Total Cost of Credit	Not Known
True Price by Comp
Interest and Fee Component	22.2%
Insurance Component	0.7%
Tax Component	0.1%
Deposit Component	0
Full APR (int fee ins tax dep)	23.1%
MFIN MFI Earning (Annualised)	22.2%
MFIN Cost to Borrower (Annualised)	23.1%
Transparency Index	91
MFIN Transparency Index	N/A

Original Repayment Schedule	PDF
MFT Pricing Calculation	PDF

* The APR stated here is an MFTransparency term, definition and formula

Water Connection Loan Price Graphs

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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

	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

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