Institution

Rural Bank of Liloy (ZN), Inc. BaybayLiloy, Zamboanga del Norte/ Region IX7115
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062
Data approved: 2012-02-06
Data version: 2
Age of data: -   months 

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1979
Head of InstitutionPANCRASIO D. AJERO
Regions active
# Branches5

Total Portfolio (nat'l)PhP 43,039,358
Total Portfolio (USD)USD 1,029,649.71
Active clients with loans5,290
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMicroenterprise Access to Banking Services (MABS), Mindanao Microfinance Council (MMC), Rural Bankers Association of the Philippines (RBAP), Zamboanga del Norte Federation of Rural Banks
FundersBank of the Philippine Islands (BPI), Landbank of the Philippines (LBP), People's Credit and Finance Corporation (PCFC)

Institution Details

Institution TypeSect25
Is this institution regulated?Yes
Website addresshttp://www.gfspl.in/
Year established1999
Head of InstitutionSuresh K. Krishna
Regions active0
# Branches174

Total Portfolio (nat'l)INR 1,966,900,000
Total Portfolio (USD)USD 37,111,320.75
Active clients with loans274,850
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsSa-dhan, akmi, MFIN

Loan Products » Summary

4,036 Borrowers
USD 393,294.72 Portfolio
Active Product
1,253 Borrowers
USD 632,766.47 Portfolio
Active Product

Loan Products » Summary

138,730 Borrowers
USD 1,453,237.40 Portfolio
Active Product
3,527 Borrowers
USD 144,256.40 Portfolio
Active Product
161,167 Borrowers
USD 18,925,320.75 Portfolio
Active Product
8,394 Borrowers
USD 353,506.25 Portfolio
Active Product
3,219 Borrowers
USD 985,990.98 Portfolio
Active Product
5,260 Borrowers
USD 509,548.58 Portfolio
Active Product
10 Borrowers
USD 1,509.43 Portfolio
Low Volume Product
Retired Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
PMPK-GRASA Program PHP 2,000 - 50,000 3 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group, 2 years resident in area, Must pass Means Test Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
SIPAG (Sinugdanan sa Paglambo) Loan PHP 5,000 - 150,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Has 2 valid IDs, Barangay Clearance, DTI , 2 years resident in area Credit Ins, Tech Asst Visits, Business Training, Seminar on Livelihoods

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Emergency Loan INR 1,000 - 1,000 2.5 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Business Training
Water Connection Loan INR 5,000 - 5,000 24 80% - 100% 0% - 20% Housing, For taking water connection Women, Have home or land Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati INR 5,000 - 15,000 12 80% - 100% 0% - 20% Business Women
IGL-Pragati Plus INR 16,000 - 25,000 24 80% - 100% 0% - 20% Business Women
Individual Loan INR 10,000 - 50,000 3 - 9 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Sanitation Loan INR 7,000 - 10,000 24 0% 0% Housing, For construction of toilets Women, Have home or land Group Mtgs, Business Training
Siksha Loan INR 10,000 - 15,000 3 - 6 0% 0% Education Women, Men Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29

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
Emergency Loan 0% 29.1% 30.1% N/A
Water Connection Loan 0% 0% 0% N/A
IGL-Pragati 0% 0% 0% N/A
IGL-Pragati Plus 0% 0% 0% N/A
Individual Loan 0% 41.3% - 41.4% 42.7% - 44.1% N/A
Sanitation Loan 0% 0% 0% N/A
Siksha Loan 0% 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 18.8% annual, Decl Bal 1 Fee 0 Ins None N/A 29.1% 30.1% 63
Water Connection Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
IGL-Pragati 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
IGL-Pragati Plus 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Individual Loan 36.0% annual, Decl Bal 0 Fees 1 Ins None N/A 41.3% - 41.4% 42.7% - 44.1% 83
Sanitation Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Siksha Loan 28.3% annual, Decl Bal 0 Fees 0 Ins None None 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29

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
Emergency Loan 0% 29.1% 30.1% N/A
Water Connection Loan 0% 0% 0% N/A
IGL-Pragati 0% 0% 0% N/A
IGL-Pragati Plus 0% 0% 0% N/A
Individual Loan 0% 41.3% - 41.4% 42.7% - 44.1% N/A
Sanitation Loan 0% 0% 0% N/A
Siksha Loan 0% 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Emergency Loan 18.8% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.1% 30.1% 63
Water Connection Loan 21.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
IGL-Pragati 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
IGL-Pragati Plus 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Individual Loan 36.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 41.3% - 41.4% 42.7% - 44.1% 83
Sanitation Loan 21.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Siksha Loan 28.3% annual, Decl Bal 0 Fees 0 Ins Ins None None 0% 0% N/A
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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
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