Institution

Chaitanya India Fin Credit Pvt Ltd #169, 1st Floor, 5th MainChamarajpetBangalore, Karnataka560018
Data approved: 2011-01-25
Data version: 1
Age of data: -   months 

Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.chaitanyaindia.in/
Year established2009
Head of InstitutionAnand Rao
Regions active0
# Branches7

Total Portfolio (nat'l)INR 67,701,816
Total Portfolio (USD)USD 1,504,484.80
Active clients with loans9,379
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.paglaumcoop.org.ph/
Year established1992
Head of InstitutionGadwin E. Handumon
Regions active
# Branches14

Total Portfolio (nat'l)PhP 247,944,967
Total Portfolio (USD)USD 5,931,697.78
Active clients with loans21,775
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Loan Products » Summary

461 Borrowers
USD 173,779 Portfolio
Active Product
2,772 Borrowers
USD 377,805 Portfolio
Active Product
77 Borrowers
USD 25,821 Portfolio
Active Product
517 Borrowers
USD 141,254 Portfolio
Active Product

Loan Products » Summary

670 Borrowers
USD 245,934.02 Portfolio
Active Product
589 Borrowers
USD 16,991.70 Portfolio
Active Product
491 Borrowers
USD 452,572.75 Portfolio
Active Product
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
219 Borrowers
USD 193,819.49 Portfolio
Active Product
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
2D Business Loan INR 6,000 - 25,000 24 - 30 80% - 100% 0% - 20% Business, Income Generating Activities Women
Business Loan INR 2,000 - 15,000 12 80% - 100% 0% - 20% Business, Housing, Consumer, Education, Other Women Credit Educ, Group Mtgs, Credit Ins
Business Loan BH 01 INR 5,000 - 20,000 11.5 - 12 80% - 100% 0% - 20% Business, Housing, Education, Other Women Credit Educ, Group Mtgs, Credit Ins
Business Loan JK 01 INR 2,000 - 15,000 11.5 - 13 80% - 100% 0% - 20% Business, Housing, Education, Other Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Barangay Official Livelihood Assistance PHP 500 - 15,000 6 - 36 60% - 80% 0% - 20% Any Purpose Women, Men, Barangay Officials Credit Educ, Credit Ins
Emergency Loan PHP 500 - 2,000 3 - 6 60% - 80% 0% - 20% Other, Open to all regular and PDP members who are MIGS i, < 60 years Women, Men Group Mtgs
Housing Loan Program PHP 50,000 - 300,000 12 - 26 80% - 100% 0% - 20% Housing Women, Men Credit Educ, Credit Ins
MEDAL 1 PHP 5,000 - 5,000 3 - 6 60% - 80% 0% - 20% Business Women, Men, Have business, Must be Coop member Credit Educ, Group Mtgs, Credit Ins
Motorcycle Loan PHP 60,000 - 120,000 12 - 36 60% - 80% 0% - 20% Consumer Women, Men, Must have MIGS status, Must be Coop member Credit Educ, Credit Ins
Pension Loan PHP 10,000 - 100,000 6 - 24 40% - 60% 0% - 20% Any Purpose Women, Men, Must be pension holder, Must be <80 years Credit Educ, Credit Ins
Project Loan (Micro-Regular Loan) PHP 500 - 150,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Must be Coop member Credit Educ, Credit Ins
Regular Loan PHP 500 - 1,000,000 1 - 36 60% - 80% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Must be Coop member Credit Educ, Credit Ins, Tech Asst Visits, Business Training

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
2D Business Loan 0% 24.3% 25.1% N/A
Business Loan 0% 30.1% - 30.3% 31.2% - 31.4% N/A
Business Loan BH 01 0% 28.7% - 28.9% 30.9% - 31.1% N/A
Business Loan JK 01 0% 28.6% - 28.7% 30.7% - 30.9% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
2D Business Loan 25.4% annual, Decl Bal 1 Fee 1 Ins None N/A 24.3% 25.1% N/A
Business Loan 28.2% annual, Decl Bal 2 Fees 0 Ins None N/A 30.1% - 30.3% 31.2% - 31.4% 90
Business Loan BH 01 24.2% annual, Decl Bal 1 Fee 0 Ins None N/A 28.7% - 28.9% 30.9% - 31.1% N/A
Business Loan JK 01 26.5% annual, Decl Bal 1 Fee 0 Ins None N/A 28.6% - 28.7% 30.7% - 30.9% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37

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
2D Business Loan 0% 24.3% 25.1% N/A
Business Loan 0% 30.1% - 30.3% 31.2% - 31.4% N/A
Business Loan BH 01 0% 28.7% - 28.9% 30.9% - 31.1% N/A
Business Loan JK 01 0% 28.6% - 28.7% 30.7% - 30.9% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
2D Business Loan 25.4% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 24.3% 25.1% N/A
Business Loan 28.2% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 30.1% - 30.3% 31.2% - 31.4% 90
Business Loan BH 01 24.2% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.7% - 28.9% 30.9% - 31.1% N/A
Business Loan JK 01 26.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.6% - 28.7% 30.7% - 30.9% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37
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