2. Janalakshmi
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Contactar
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Janalakshmi Financial Services (P) Ltd. Rajashree Saroja Plaza, 34/1, Andree Road,ShanthinagarBangalore, Karnataka560027
Data approved: 2013-05-03
Data version: 2
Age of data: 132 months
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Institution

Corporación Nariño Empresa y Futuro Calle 17 No. 29-31Pasto, Nariño
Data approved: 2011-08-01
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions activeGujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi
# Branches66

Total Portfolio (nat'l)INR 6,311,118,034
Total Portfolio (USD)USD 119,077,698.80
Active clients with loans506,075
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, AKMI

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.contactar-pasto.org/
Year established1971
Head of InstitutionGloria Lucía Bustos Chaves
Regions active
# Branches21

Total Portfolio (nat'l)COP 34,006,476,957
Total Portfolio (USD)USD 18,684,877.45
Active clients with loans24,982
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsEMPRENDER, FOROLACFR
FundersCORPONARIÑO - GTZ, ARTESANIAS DE COLOMBIA, FUNDACION SOCIAL, CORFAS

Loan Products » Summary

Education
161 Borrowers
USD 37,515.45 Portfolio
Active Product
Small Group
505,914 Borrowers
USD 119,040,183.30 Portfolio
Active Product

Loan Products » Summary

Comercial
204 Borrowers
USD 1,499,125.46 Portfolio
Active Product
Microcredito
24,982 Borrowers
USD 18,684,877.45 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 20,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs. Credit Educ
Small Group Loan INR 5,000 - 50,000 12 - 24 100% 100% Business, Housing, Consumer, Education, Other Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. 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 12,875,001 - 103,000,000 1 - 60 40% - 60% 40% - 60% Any Purpose, Principalmente para capital de trabajo y activos f, Sustitución de pasivos Women, Men, Have business Eventualmente capacitación y asistencia técnica
Microcrédito COP 200,000 - 103,000,000 1 - 60 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Eventualmente capacitación y asistencia técnica

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial 23.8% annual, Decl Bal 2 Fees 1 Ins None N/A 21.2% - 21.3% 22.5% - 22.7% 100
Microcrédito 25.0%-31.9% annual, Decl Bal 2 Fees 1 Ins None N/A 38.4% - 41.2% 39.6% - 42.6% 61

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial 23.8% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 21.2% - 21.3% 22.5% - 22.7% 100
Microcrédito 25.0%-31.9% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 38.4% - 41.2% 39.6% - 42.6% 61
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