Institution

Singhivi Investment & Finance Pvt. Ltd. 4th Floor, Temple Tower, 672 Anna Salai, NandanamChennai, Tamil Nadu600035
Data approved: 2013-02-20
Data version: 3
Age of data: 131 months

Institution

Cooperativa de Comerciantes CL 16 # 8 29Chiquinquira, Boyaca
Data approved: 2011-08-01
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.equitasmf.in
Year established2007
Head of InstitutionPN Vasudevan
Regions activeGujarat, Madhya Pradesh
# Branches278

Total Portfolio (nat'l)INR 9,756,400,000
Total Portfolio (USD)USD 184,083,018.90
Active clients with loans1,163,000
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan, Alpha

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.comerciacoop.coop/
Year established1996
Head of InstitutionJesus Maria Medina Duran
Regions active
# Branches5

Total Portfolio (nat'l)COP 6,506,159,027
Total Portfolio (USD)USD 3,574,812.65
Active clients with loans5,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

540,000 Borrowers
USD 107,735,849.10 Portfolio
Active Product
45,000 Borrowers
USD 10,377,358.49 Portfolio
Active Product
590,000 Borrowers
USD 66,037,735.85 Portfolio
Active Product
45,000 Borrowers
USD 2,264,150.94 Portfolio
Active Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product

Loan Products » Summary

357 Borrowers
USD 1,689,259.68 Portfolio
Active Product
302 Borrowers
USD 364,210.21 Portfolio
Active Product
987 Borrowers
USD 1,146,921.32 Portfolio
Active Product
22 Borrowers
USD 55,346.15 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Second Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
Third Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
First Cycle Loan INR 12,000 - 18,000 18 - 24 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins
Income Generating 1 Year Loan INR 4,999.50 - 5,000 12 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercial (COP) COP 200,000 - 107,000,000 1 - 78 40% - 60% 80% - 100% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Consumo (COP) COP 200,000 - 12,800,000 1 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have home or land, Salaried worker, Codeudor Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Microcredito COP 200,000 - 12,875,000 1 - 36 80% - 100% 60% - 80% Business, CAPITAL DE TRABAJO, LIQUIDEZ, ACTIVOS Women, Men, Have business, MICROEMPRESARIO, COMERCIANTE - INDEPENDIENTES Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO

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
Second Cycle Loan 24.9% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Third Cycle Loan 24.9% - 25.4% 26% - 26.5% 27.6% - 28.2% Yes Yes Yes 100
First Cycle Loan 25% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Income Generating 1 Year Loan 24.4% - 25.3% 26.4% - 27.4% 28.1% - 29.3% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Second Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Third Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.5% 27.6% - 28.2% 91
First Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Income Generating 1 Year Loan 25.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.4% - 27.4% 28.1% - 29.3% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50

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
Second Cycle Loan 24.9% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Third Cycle Loan 24.9% - 25.4% 26% - 26.5% 27.6% - 28.2% Yes Yes Yes 100
First Cycle Loan 25% - 25.3% 26% - 26.7% 27.7% - 29.1% Yes Yes Yes 100
Income Generating 1 Year Loan 24.4% - 25.3% 26.4% - 27.4% 28.1% - 29.3% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Second Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Third Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.5% 27.6% - 28.2% 91
First Cycle Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26% - 26.7% 27.7% - 29.1% 90
Income Generating 1 Year Loan 25.5% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.4% - 27.4% 28.1% - 29.3% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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