Institution Type | Private 'For-Profit' |
Is this institution regulated? | N/A |
Website address | http://www.emfil.org/ |
Year established | 1996 |
Head of Institution | K.PAUL THOMAS |
Regions active | 0 |
# Branches | 105 |
Total Portfolio (nat'l) | INR 1,561,228,229 |
Total Portfolio (USD) | USD 34,693,960.64 |
Active clients with loans | 220,011 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.agrocapital.org.bo/ |
Year established | 1992 |
Head of Institution | Jorge Gonzalo Noda Miranda |
Regions active | |
# Branches | 16 |
Total Portfolio (nat'l) | BOB 180,022,209 |
Total Portfolio (USD) | USD 26,669,956.89 |
Active clients with loans | 22,140 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 60% - 80% |
Network affiliations | ASOFIN, ETIMOS |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | INR 6,000 - 8,000 | 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
Income Generation Loan | INR 10,000 - 20,000 | 12 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
Jeevandhara | INR 3,000 - 12,000 | 12 - 24 | 80% - 100% | 0% - 20% | For installing water connection | Women, Men | Credit Educ, Group Mtgs | |||||||
Nirmal | INR 6,000 - 12,000 | 12 - 24 | 80% - 100% | 0% - 20% | for sanitation Purposes | Women, Men | Credit Educ, Group Mtgs |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | BOB 300 - 12,000 | 4 - 8 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Buenos antecedentes crediticios. Solvencia Moral., Los interesados deben ser mayores de edad no mayores a 65 aƱos. | N/A | |||||||
BOB 400 - 300,000 | 6 - 60 | 20% - 40% | 0% - 20% | Business, Housing, Para capital de Inversiones , Para capital de Operaciones | Women, Men, Have business | Credit Ins | ||||||||
CRĆDITO DE CONSUMO (Asalariado) - USD | USD 1,000 - 2,000 | 12 - 24 | 20% - 40% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, AntigĆ Åedad mĆnima de 1 aƱo en trabajo. Buenos antecedentes personales y crediticios. | Credit Ins | |||||||
MicrocrĆ©dito Vivienda (USD) | USD 600 - 12,000 | 12 - 60 | 20% - 40% | 0% - 20% | Housing | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad econĆ³mica y financieramente viable. | Credit Ins | |||||||
Plan MicrocrƩdito I (MicrocrƩdito Secuencial) | BOB 1,000 - 44,000 | 4 - 60 | 40% - 60% | 0% - 20% | Business, Housing | Women, Men, Have business, Good credit history , Owning profitable or sustainable business | Credit Ins | |||||||
Plan MicrocrĆ©dito I (MicrocrĆ©dito Secuencial) (USD) | USD 195 - 12,000 | 6 - 60 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad econĆ³mica y financieramente viable. | Credit Ins | |||||||
Plan MicrocrĆ©dito II (No Secuencial) | BOB 5,000 - 71,000 | 12 - 60 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad econĆ³mica y financieramente viable. | Credit Ins | |||||||
Plan MicrocrĆ©dito II (No Secuencial) (USD) | USD 300 - 12,000 | 3 - 60 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Buenos antecedentes personales y crediticios. Actividad econĆ³mica y financieramente viable. | 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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 0% | 31.7% - 57.5% | 31.7% | N/A | ||||||||||
Income Generation Loan | 0% | 31.2% - 31.7% | 31.2% - 31.7% | N/A | ||||||||||
Jeevandhara | 0% | 28.2% | 28.2% | N/A | ||||||||||
Nirmal | 0% | 28.2% | 28.2% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 17.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 31.7% - 57.5% | 31.7% | 54 | ||||||||
Income Generation Loan | 17.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 31.2% - 31.7% | 31.2% - 31.7% | 54 | ||||||||
Jeevandhara | 15.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 28.2% | 28.2% | 53 | ||||||||
Nirmal | 15.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 28.2% | 28.2% | 53 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | 30.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.0% upfront 20.00% ongoing | 30.7% - 30.8% | 47.8% - 48.6% | 62 | ||||||||
11.0%-21.5% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 18.4% - 23.3% | 18.5% - 23.4% | 53 | |||||||||
CRĆDITO DE CONSUMO (Asalariado) - USD | 22.5%-26.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 25.8% | 26% | 87 | ||||||||
MicrocrƩdito Vivienda (USD) | 22.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 24.9% - 32.2% | 25% - 32.3% | 75 | ||||||||
Plan MicrocrƩdito I (MicrocrƩdito Secuencial) | 25.0%-32.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 32% - 34.4% | 32% - 34.4% | 75 | ||||||||
Plan MicrocrƩdito I (MicrocrƩdito Secuencial) (USD) | 22.0%-35.8% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 26.9% - 31.3% | 27.1% - 31.6% | 72 | ||||||||
Plan MicrocrƩdito II (No Secuencial) | 24.5%-32.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 30% - 33.3% | 30% - 33.3% | 76 | ||||||||
Plan MicrocrƩdito II (No Secuencial) (USD) | 21.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins | 15.00% Principal | N/A | 24.9% - 31.3% | 25% - 31.5% | 75 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 0% | 31.7% - 57.5% | 31.7% | N/A | ||||||||||
Income Generation Loan | 0% | 31.2% - 31.7% | 31.2% - 31.7% | N/A | ||||||||||
Jeevandhara | 0% | 28.2% | 28.2% | N/A | ||||||||||
Nirmal | 0% | 28.2% | 28.2% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 17.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 31.7% - 57.5% | 31.7% | 54 | ||||||||
Income Generation Loan | 17.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 31.2% - 31.7% | 31.2% - 31.7% | 54 | ||||||||
Jeevandhara | 15.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 28.2% | 28.2% | 53 | ||||||||
Nirmal | 15.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 28.2% | 28.2% | 53 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Banca Comunal | 30.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.0% upfront 20.00% ongoing | 30.7% - 30.8% | 47.8% - 48.6% | 62 | ||||||||
11.0%-21.5% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 18.4% - 23.3% | 18.5% - 23.4% | 53 | |||||||||
CRĆDITO DE CONSUMO (Asalariado) - USD | 22.5%-26.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 25.8% | 26% | 87 | ||||||||
MicrocrƩdito Vivienda (USD) | 22.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 24.9% - 32.2% | 25% - 32.3% | 75 | ||||||||
Plan MicrocrƩdito I (MicrocrƩdito Secuencial) | 25.0%-32.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 32% - 34.4% | 32% - 34.4% | 75 | ||||||||
Plan MicrocrƩdito I (MicrocrƩdito Secuencial) (USD) | 22.0%-35.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 26.9% - 31.3% | 27.1% - 31.6% | 72 | ||||||||
Plan MicrocrƩdito II (No Secuencial) | 24.5%-32.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 30% - 33.3% | 30% - 33.3% | 76 | ||||||||
Plan MicrocrƩdito II (No Secuencial) (USD) | 21.0%-30.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 15.00% Principal | N/A | 24.9% - 31.3% | 25% - 31.5% | 75 |
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