Institution Type | Private 'For-Profit' |
Is this institution regulated? | Yes |
Website address | http://www.spandanaindia.com/ |
Year established | 2004 |
Head of Institution | Padmaja Reddy G. |
Regions active | 0 |
# Branches | 1795 |
Total Portfolio (nat'l) | INR 43,180,018,634 |
Total Portfolio (USD) | USD 959,555,969.60 |
Active clients with loans | 4,959,649 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Sadhan, Mix Market, MFIN, WWB |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.aned.org/ |
Year established | 1978 |
Head of Institution | Martha Patricia Machicado Duran |
Regions active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
# Branches | 38 |
Total Portfolio (nat'l) | BOB 45,322,243 |
Total Portfolio (USD) | USD 6,714,406.37 |
Active clients with loans | 5,652 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | FINRURAL |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | INR 6,000 - 20,000 | 11.5 - 23.1 | 80% - 100% | 0% - 20% | Business, Housing, Education, Other, to retire expensive debt, health purposes including better nutrition | Women, economically active | Credit Educ, Group Mtgs, Other Training | |||||||
Dharani | INR 5,000 - 50,000 | 3 - 11 | 0% - 20% | 0% - 20% | Business, only for working capital, exclusively for agri and allied purposes | Women, Men, Must have agriculture ativity and secondary source of income | Credit Educ, Group Mtgs | |||||||
Pragathi | INR 15,000 - 50,000 | 12 - 18 | 80% - 100% | 0% - 20% | Business, for income generation purposes | Women, self-employed | Credit Educ, Group Mtgs |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bancos Comunales | BOB 500 - 8,000 | 6 - 24 | 80% - 100% | 20% - 40% | Business, Agriculture, Housing, Consumer, Education | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Credito Individual - BOB | BOB 1,000 - 70,000 | 4 - 69 | 40% - 60% | 20% - 40% | Business, Agriculture, Housing, Consumer, Education, Capital de Operación - Inversión | Women, Men, Have business, Para las Unidades Fami-Empresarial | Credit Ins | |||||||
Credito Individual - USD | USD 200 - 12,000 | 6 - 96 | 20% - 40% | 20% - 40% | Business, Agriculture, Housing, Consumer, Education, Capital de Operación - Inversión | Women, Men, Have business | 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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 0% | 27.7% - 28.5% | 27.7% - 28.5% | N/A | ||||||||||
Dharani | 0% | 22.8% - 22.9% | 22.8% - 22.9% | N/A | ||||||||||
Pragathi | 0% | 28% - 28.4% | 28% - 28.4% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 27.7% - 28.5% | 27.7% - 28.5% | 44 | ||||||||
Dharani | 21.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 22.8% - 22.9% | 22.8% - 22.9% | 92 | ||||||||
Pragathi | 25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 28% - 28.4% | 28% - 28.4% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bancos Comunales | 26.0%-38.0% annual, Decl Bal | 0 Fees | 2 Ins | None | N/A | 26.1% - 37.9% | 27.1% - 38.9% | 78 | ||||||||
Credito Individual - BOB | 12.0%-36.0% annual, Decl Bal | 0 Fees | 2 Ins | None | N/A | 16.1% - 36% | 17.2% - 37% | 45 | ||||||||
Credito Individual - USD | 12.0%-36.0% annual, Decl Bal | 0 Fees | 2 Ins | None | N/A | 18.1% - 36% | 19.1% - 37% | 48 |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 0% | 27.7% - 28.5% | 27.7% - 28.5% | N/A | ||||||||||
Dharani | 0% | 22.8% - 22.9% | 22.8% - 22.9% | N/A | ||||||||||
Pragathi | 0% | 28% - 28.4% | 28% - 28.4% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 27.7% - 28.5% | 27.7% - 28.5% | 44 | ||||||||
Dharani | 21.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 22.8% - 22.9% | 22.8% - 22.9% | 92 | ||||||||
Pragathi | 25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 28% - 28.4% | 28% - 28.4% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bancos Comunales | 26.0%-38.0% annual, Decl Bal | 0 Fees | 2 Ins Ins | None | N/A | 26.1% - 37.9% | 27.1% - 38.9% | 78 | ||||||||
Credito Individual - BOB | 12.0%-36.0% annual, Decl Bal | 0 Fees | 2 Ins Ins | None | N/A | 16.1% - 36% | 17.2% - 37% | 45 | ||||||||
Credito Individual - USD | 12.0%-36.0% annual, Decl Bal | 0 Fees | 2 Ins Ins | None | N/A | 18.1% - 36% | 19.1% - 37% | 48 |
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