| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.basixindia.com/ |
| Year established | 1996 |
| Head of Institution | Mr. Vijaymahajan |
| Regions active | Andhra Pradesh, Bihar, Chhattisgarh, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Sikkim, Tripura, Uttar Pradesh, Uttarakhand, West Bengal |
| # Branches | 188 |
| Total Portfolio (nat'l) | INR 2,414,154 |
| Total Portfolio (USD) | USD 45,550.08 |
| Active clients with loans | 396,861 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MFIN, Sadhan |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.tspi.org/ |
| Year established | 1981 |
| Head of Institution | Eduardo A. Mendoza |
| Regions active | |
| # Branches | 183 |
| Total Portfolio (nat'l) | PhP 1,468,869,386 |
| Total Portfolio (USD) | USD 35,140,415.93 |
| Active clients with loans | 287,169 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Alliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI) |
| Funders | Opportunity International Australia |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | INR 15,000 - 50,000 | 23 - 24 | 60% - 80% | 0% - 20% | Business, Agriculture, For improving dairy livelihoods and buying inputs, purchase of mulch animals,procurement of fodder | Women, Men, Joint Liability Group | Credit Ins | |||||||
| Samruddhi Crop Loan | INR 10,000 - 15,000 | 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, All farmers/tenant farmers engaged in field crop cultivation | Credit Ins | |||||||
| Samruddhi Micro Enterprise (NFS) Loan | INR 15,000 - 50,000 | 23 - 24 | 60% - 80% | 0% - 20% | Business, For establishment cost,fixed cost,working capital | Women, Men | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Educational Loan Assistance Program | PHP 1 - 10,000 | 3 - 6 | 80% - 100% | 40% - 60% | Education | Women, Men, TKP clients with school-age children | Group Mtgs | |||||||
| Housing and Sanitation Loan Program | PHP 15,000 - 100,000 | 18 - 60 | 80% - 100% | 80% - 100% | Housing, Sanitation | Women, Men, Have business, Must have proof of right to construct house | Credit Ins | |||||||
| Livestock Loan | PHP 10,000 - 10,000 | 4.1 | 80% - 100% | 40% - 60% | Business, Purchase of livestock | Women, Men, Must be a member of TSPI Kabuhayan Program | Group Mtgs | |||||||
| PhilHealth Loan | PHP 300 - 1,200 | 6 | 80% - 100% | 40% - 60% | Other, Health Insurance | Women, Men, Have business, TKP Group member | Business Training | |||||||
| TSPI Kabuhayan Program | PHP 4,000 - 50,000 | 6 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| TSPI Maunlad Program | PHP 30,000 - 150,000 | 6 - 24 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business, Must have colateral or a co-borrower | Credit Ins, Business Training | |||||||
| TSPI Palayan Program | PHP 20,000 - 35,000 | 3 - 5 | 0% - 20% | 0% - 20% | Business, Agriculture, Rice Farmers | Women, Men, Land tenants with at least 5 years of farming experience, Has access to irrigation | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | 23.8% | 24.5% - 24.8% | 28.5% - 29.5% | Yes | Yes | Yes | 100 | |||||||
| Samruddhi Crop Loan | 22.9% - 23% | 24.7% - 24.8% | 29.1% - 29.2% | Yes | Yes | Yes | 100 | |||||||
| Samruddhi Micro Enterprise (NFS) Loan | 23.7% - 23.8% | 24.5% - 24.7% | 28.9% - 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins | 12.36% fees | N/A | 24.5% - 24.8% | 28.5% - 29.5% | 83 | ||||||||
| Samruddhi Crop Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins | 12.36% fees | N/A | 24.7% - 24.8% | 29.1% - 29.2% | 82 | ||||||||
| Samruddhi Micro Enterprise (NFS) Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins | 12.36% fees | N/A | 24.5% - 24.7% | 28.9% - 29.3% | 82 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Educational Loan Assistance Program | 12.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 24.6% - 24.7% | 24.6% - 24.7% | 49 | ||||||||
| Housing and Sanitation Loan Program | 14.4%-18.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 35.3% - 40.6% | 36.7% - 45.6% | 37 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 0 Fees | 1 Ins | None | 5.0% upfront | 36.2% | 37.9% | 95 | ||||||||
| PhilHealth Loan | 12.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 23.7% | 23.7% | 51 | ||||||||
| TSPI Kabuhayan Program | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 68.6% - 68.7% | 87% - 93.7% | 39 | ||||||||
| TSPI Maunlad Program | 28.8%-36.0% annual, Flat | 1 Fee | 2 Ins | None | 10.0% upfront 100.00 ongoing | 47.2% - 69.4% | 65.1% - 89.7% | 35 | ||||||||
| TSPI Palayan Program | 36.0% annual, Flat | 0 Fees | 2 Ins | None | 5.0% upfront 200.00 ongoing | 26.6% - 32.1% | 42.7% - 48.5% | 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | 23.8% | 24.5% - 24.8% | 28.5% - 29.5% | Yes | Yes | Yes | 100 | |||||||
| Samruddhi Crop Loan | 22.9% - 23% | 24.7% - 24.8% | 29.1% - 29.2% | Yes | Yes | Yes | 100 | |||||||
| Samruddhi Micro Enterprise (NFS) Loan | 23.7% - 23.8% | 24.5% - 24.7% | 28.9% - 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Samruddhi Agri Allied Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins Ins | 12.36% fees | N/A | 24.5% - 24.8% | 28.5% - 29.5% | 83 | ||||||||
| Samruddhi Crop Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins Ins | 12.36% fees | N/A | 24.7% - 24.8% | 29.1% - 29.2% | 82 | ||||||||
| Samruddhi Micro Enterprise (NFS) Loan | 24.0% annual, Decl Bal | 1 Fee | 2 Ins Ins | 12.36% fees | N/A | 24.5% - 24.7% | 28.9% - 29.3% | 82 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Educational Loan Assistance Program | 12.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 24.6% - 24.7% | 24.6% - 24.7% | 49 | ||||||||
| Housing and Sanitation Loan Program | 14.4%-18.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 35.3% - 40.6% | 36.7% - 45.6% | 37 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 5.0% upfront | 36.2% | 37.9% | 95 | ||||||||
| PhilHealth Loan | 12.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 23.7% | 23.7% | 51 | ||||||||
| TSPI Kabuhayan Program | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 68.6% - 68.7% | 87% - 93.7% | 39 | ||||||||
| TSPI Maunlad Program | 28.8%-36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 10.0% upfront 100.00 ongoing | 47.2% - 69.4% | 65.1% - 89.7% | 35 | ||||||||
| TSPI Palayan Program | 36.0% annual, Flat | 0 Fees | 2 Ins Ins | None | 5.0% upfront 200.00 ongoing | 26.6% - 32.1% | 42.7% - 48.5% | 80 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
