2. AMRDO
Please note that the information you are viewing is 108 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Al-Mehran Rural Development Organization Banglow No.14/A, Abdullah CityNear Naseem Nagar ChowkHyderabad, Sindh
Data approved: 2013-12-11
Data version: 1
Age of data: -   months 
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Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 71,917,312
Portfolio (USD)USD 733,850.12
Active Clients with Loans11,283
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Micro Credit Enterprise loans offered for micro enterprise development of the existing businesses.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
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 institution1
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 3,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionRegistration FeeEmergency Fund Fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min9060
Fixed amount - max2,2501,500
Reason for variationRegistration fee is charged @ 3% of disbursment amount.Emergency Fund Fee is charged @ 2% of disbursement amount.
Appears on Repayment Sched?NoNo
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

Full Pricing Data

MC Enterprise samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 25,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-01-172014-01-272014-01-24
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.2 months-0.3 months-0.2 months
Total Cost of CreditPKR 2,700PKR 6,750PKR 13,500
True Price by Comp     
Interest price component39.6%40.3%39.5%
Fee Component10.7%10.8%10.7%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)50.3%51.1%50.2%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
MC Enterprise Price Graphs


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  2. Spandana
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

Institution

Spandana Sphoorty Financial Limited Plot No 79, Care Crystal,Vinayak Nagar, GachibowliHyderabad, Andhra Pradesh500032
Data approved: 2010-11-15
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionPadmaja Reddy G.
Regions active0
# Branches1795

Total Portfolio (nat'l)INR 43,180,018,634
Total Portfolio (USD)USD 959,555,969.60
Active clients with loans4,959,649
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Abhilasha
3,509,722 Borrowers
USD 665,413,655.80 Portfolio
Active Product
Dharani
133,755 Borrowers
USD 53,277,751.27 Portfolio
Active Product
Pragathi
582,152 Borrowers
USD 184,467,694.60 Portfolio
Active Product

Loan Products » Conditions

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

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
Abhilasha 0% 0% 0% N/A
Dharani 0% 0% 0% N/A
Pragathi 0% 0% 0% N/A
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 12.5%-15.0% annual, Flat 1 Fee 0 Ins None N/A 0% 0% N/A
Dharani 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Pragathi 25.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Institution Price Graph
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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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