2. Yukti
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Banco WWB
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yukti Samaj Sewa Society Near Meenakshi ChowkI.T.I. RoadHoshangabad, Madhya Pradesh461001
Data approved: 2010-10-25
Data version: 1
Age of data: 165 months

Institution

Banco WWB S.A. Av 5 norte N° 16 N 57Cali, Valle del Cauca572
Data approved: 2011-08-01
Data version: 1
Age of data: 156 months

Product

Agricultural Loan Product 1 of 2 « Prev | Next »

Product

Inmobiliario Product 4 of 5 « Prev | Next »

Product Summary

Number borrowers35
Loan Amount (range)INR 5,000 - 12,000
Loan Term (range)6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method18.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component27.6% - 27.9% (Int+Fee)
Insurance Component1.1% - 1.4%
Tax Component Range0
Full APR (int fee ins tax dep)29.0% - 29.3%
Transparency Index (min/max)40 - 62
Transparency Index (average)61

Product Summary

9,749
COP 535,000 - 64,272,000
1 - 59
22.8%-24.0% annual, Decl Bal
10,000.00 upfront 7.50% ongoing
6.18% upfront 20.00%-30.00% ongoing
None
N/A
 
N/A
19.3% - 33.4% (Int+Fee)
0.3% - 13.5%
0
19.7% - 38.6%
59 - 116
92

Product Details

Key Statistics
Outstanding portfolio (INR)INR 295,080
Portfolio (USD)USD 5,567.55
Active Clients with Loans35
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
This product is very useful for our agriculture based area. This product is spcially designed for agiculture. \r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCan ONLY be used for working capital
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
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 INR
Must live in rural area
Must lives in urban area
OtherAgricutual needs and working capital
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (COP)COP 46,448,316,724
Portfolio (USD)USD 25,521,053.15
Active Clients with Loans9,749
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito para compra y mejora de vivienda o local. Dirigido a clientes renovación y preferencial.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
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
CurrencyCOP
Minimum loan sizeCOP 535,000
Maximum loan size64,272,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term59.0 months
Approx average36.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
This product has no upfront insurance fees
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?No

Pricing Information

Interest
Lowest quoted nominal interest1.90%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCIFIN/Datacredito + IVA.
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10,000
Fixed amount - max10,000
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionComisio Ley Mipymes + IVA Algunos prestamos.
% of loan amount - min7.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionComisio fondo nacional de garantias + IVA. (Algunos prestamos)
% of loan amount - min6.18%
% of loan amount - max6.18%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Vida.
% of loan amount - min20.00%
% of loan amount - max30.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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

Agricultural Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 7,000INR 7,000INR 10,000INR 12,000
Loan Cycle (1, 2, 3, etc)4445
Disbursement Date2010-03-062010-03-062010-03-062010-04-20
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component27.8%27.8%27.6%27.9%
Insurance Component1.4%1.4%1.4%1.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.2%29.2%29.0%29.3%
MFIN MFI Earning (Annualised)27.8%27.8%27.6%27.9%
MFIN Cost to Borrower (Annualised)29.2%29.2%29.0%29.3%
Transparency Index62626261
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Inmobiliario samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountCOP 1,300,000COP 3,471,000COP 6,600,000COP 13,000,000COP 26,000,000COP 30,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-242011-03-092011-02-112011-02-112011-03-312011-03-25
Loan Term (Months)12.0 months36.0 months24.0 months48.0 months36.0 months42.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component33.4%29.4%20.6%20.5%24.0%19.3%
Insurance Component5.3%0.4%0.4%0.4%3.1%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)38.6%29.7%21.1%20.9%27.1%19.7%
Transparency Index597710010084100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Agricultural Loan Price Graphs


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Inmobiliario Price Graphs


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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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