2. Belstar
Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 111 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.belstar.in
Year established2009
Head of InstitutionDr.Kalpana sankar
Regions activeMadhya Pradesh, Tamil Nadu, Puducherry
# Branches64

Total Portfolio (nat'l)INR 1,269,117,806
Total Portfolio (USD)USD 23,945,618.98
Active clients with loans123,092
Approximate % female clients100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Institutions Network - MFIN

Loan Products » Summary

Enterprise
117,606 Borrowers
USD 22,895,241.62 Portfolio
Active Product
Education
5,485 Borrowers
USD 1,050,377.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Enterprise Loan INR 12,000 - 30,000 13 - 25 100% 0% - 20% Business, Agriculture Women, Specific age group, Low HH Inc, Med HH Inc, Must be a Member of an SHG, Must be in the age group of 18 to 60 years. Credit Educ, Group Mtgs, Credit Ins, Business Training
Educational Loan INR 11,000 - 11,000 12 100% 0% - 20% Education Women, Specific age group, Low HH Inc, Med HH Inc Credit Ins

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
Micro Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 100
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.5% 28% 89
Institution Price Graph
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  2. FONDECO
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FONDECO Av. Pedro Ribera Méndez (Tercer Anillo Interno) esquina Chuubi, entre Av. Paraguá y Av. MutualistaSanta Cruz de la Sierra, Bolivia
Data approved: 2013-09-13
Data version: 2
Age of data: 123 months
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Product

Microcredito - BOB Product 3 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 37,627,744.57
Portfolio (USD)USD 5,574,480.68
Active Clients with Loans1,724
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microcrédito es todo crédito concedido a un prestatario, sea persona natural o jurídica o grupo de prestatarios, con garantías personales, mancomunadas, solidarias, prendarias, hipotecarias u otras modalidades de garantías propias del sector rural
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product5
Regions ActiveBeni , Chuquisaca , Cochabamba , Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 3,500
Maximum loan size735,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00030%
BOB 10,000-40,00040%
BOB 40,000-70,00010%
BOB 70,000-100,0005%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term84.0 months
Approx average41.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest13.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionComision por Gastos Administrativos
% of loan amount - min0.86%
% of loan amount - max2.86%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLas diferencias se dan por monto del crédito
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.17%
% of loan amount - max4.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe cobra mensualmente 0.55/1000 para el titular del préstamo, y se sube a 0.75/1000 cuando hay codeudor.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcredito - BOB samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 9,000BOB 20,000BOB 34,300BOB 63,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-10-242014-01-282013-12-232013-11-15
Loan Term (Months)49.0 months48.0 months37.0 months50.0 months
Grace Period (Months)-0.1 months-0.2 months0.5 months1.7 months
Total Cost of CreditBOB 5,420.50BOB 10,255.83BOB 9,813.80BOB 34,946.18
True Price by Comp       
Interest price component24.1%21.1%15.6%21.1%
Fee Component1.0%0.6%0.6%0.5%
Insurance Component0.6%0.6%0.1%0.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)25.7%22.3%16.3%22.0%
Transparency Index51588059
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Microcredito - BOB Price Graphs


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# Countries
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% Products with one or more insurances
% Products with compulsory deposits
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