2. Ujjivan
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ANED
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003
Data approved: 2012-12-18
Data version: 2
Age of data: 133 months
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Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz, Bolivia
Data approved: 2013-08-19
Data version: 2
Age of data: 123 months
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Product

Family Loan Product 4 of 5 « Prev | Next »

Product

Bancos Comunales Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers212,667
Loan Amount (range)INR 6,000 - 35,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance
Annual Interest & Method24.0%-25.0% annual, Decl Bal
Fees1.00% upfront
Insurance120.00-200.00 upfront
Tax12.36% fees
Comp DepN/A
Range of pricing 
Interest Price Component23.3% - 26.9%
Fee Component0 - 1.9%
Insurance Component0 - 6.8%
Tax Component Range0 - 0.3%
Full APR (int fee ins tax dep)26.7% - 29.3%
Transparency Index (min/max)69 - 103
Transparency Index (average)86

Product Summary

1,067
BOB 500 - 8,000
6 - 24
Credit Educ, Credit Ins
26.0%-38.0% annual, Decl Bal
None
0.09%-0.10% upfront 0.05%-0.20% ongoing
None
N/A
 
16.1% - 37.9%
0
1.0% - 1.1%
0
27.1% - 38.9%
32 - 96
78

Product Details

Key Statistics
Outstanding portfolio (INR)INR 2,035,260,536
Portfolio (USD)USD 38,401,142.19
Active Clients with Loans212,667
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Family loan is offered for consumption purposes like house improvements, healtcare, buying consumer durables, children's education etc.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
OtherFinancial Literacy training
Other (2)Life Insurance
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution20
# Regions for this product20
Regions ActiveAssam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,775,360.49
Portfolio (USD)USD 411,164.52
Active Clients with Loans1,067
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Esta metodología fue desarrollada específicamente para llegar a mujeres campesinas, organizadas en juntas de ahorro y crédito. Aunque excepcionalmente puede otorgarse el prestamo a hombres.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculturex
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution9
# Regions for this product6
Regions ActiveBeni , Chuquisaca , La Paz , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 6,000
Maximum loan size35,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,00070%
INR 15,000-25,00030%
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average16.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months70%
Between 13 and 18 months30%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,000100%
BOB 10,000-40,0000
BOB 40,000-70,0000
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx averagedk
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months20%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min120
Fixed amount - max200
Reason for variationInsurance covers customer and spouse up to Rs.35,000. It is on annual basis.
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees12.4%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.09%
% of loan amount - max0.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es: (0.085% X monto del crédito) + ((0.085% X monto del crédito) / número de días entre el desembolso y la fecha de la primera cuota)
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.05%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.085% mensual aplicado sólo al saldo del capital remanente del crédito.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Family Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 22,000INR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-192012-12-192012-12-19
Loan Term (Months)12.0 months25.0 months25.0 months
Grace Period (Months)0.1 months1.0 month0.8 months
Total Cost of CreditINR 1,641.36INR 4,912INR 6,621.08
True Price by Comp     
Interest price component24.8%23.7%23.7%
Fee Component1.9%1.4%1.4%
Insurance Component2.4%2.0%1.5%
Tax Component0.2%0.2%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.3%27.3%26.7%
MFIN MFI Earning (Annualised)26.7%25.1%25.1%
MFIN Cost to Borrower (Annualised)29.3%27.3%26.7%
Transparency Index828890
MFIN Transparency Index97100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Bancos Comunales samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 1,200BOB 2,000BOB 4,500BOB 5,500BOB 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-032014-01-032014-01-052014-01-052014-01-05
Loan Term (Months)10.0 months12.0 months12.0 months9.0 months6.0 months
Grace Period (Months)0.1 months0.1 months0.2 months0.2 months0.2 months
Total Cost of CreditBOB 156.58BOB 382.76BOB 875.45BOB 919.07BOB 982.36
True Price by Comp         
Interest price component26.1%32.0%32.0%36.0%37.9%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.0%1.1%1.1%1.0%1.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.1%33.1%33.1%37.0%38.9%
Transparency Index9679797067
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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