Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.arohan.in/ |
Year established | 1991 |
Head of Institution | Shubhankar Sengupta |
Regions active | Assam, Bihar, West Bengal |
# Branches | 86 |
Total Portfolio (nat'l) | INR 399,408,132 |
Total Portfolio (USD) | USD 7,536,002.49 |
Active clients with loans | 76,358 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations | MFIN, Sa-Dhan |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | http://WWW.COACSANMIGUEL.FIN.EC/ |
Year established | 1995 |
Head of Institution | SULEMA PIZARRO CANDO |
Regions active | |
# Branches | 3 |
Total Portfolio (nat'l) | USD 4,602,402.64 |
Total Portfolio (USD) | USD 4,602,402.64 |
Active clients with loans | 1,953 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo | USD 250 - 8,000 | 4 - 30 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Credito de Vivienda | USD 8,001 - 17,000 | 38 - 58 | 20% - 40% | 60% - 80% | Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins | |||||||
Micro Juanita Individual | USD 250 - 17,000 | 4 - 56 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. | Credit Ins | |||||||
Microcreditos | USD 250 - 17,000 | 4 - 56 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. | Credit Ins |
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 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
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 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
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