| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.safragemc.com/ |
| Year established | 1989 |
| Head of Institution | Federico A. Blanco |
| Regions active | |
| # Branches | 7 |
| Total Portfolio (nat'l) | PhP 17,991,734.28 |
| Total Portfolio (USD) | USD 430,424.27 |
| Active clients with loans | 3,306 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MASSPECC, NATCCO, Oikocredit |
| Funders | Metro South Cooperative Bank, Land Bank of the Philippines, MASSPECC, SEEDFinance |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.samasta.co.in/ |
| Year established | 2008 |
| Head of Institution | Venkatesh N |
| Regions active | Karnataka, Tamil Nadu |
| # Branches | 24 |
| Total Portfolio (nat'l) | INR 254,928,392 |
| Total Portfolio (USD) | USD 4,809,969.66 |
| Active clients with loans | 45,514 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | MFIN, India, AKMI, India |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cycle Loan | PHP 5,000 - 25,000 | 3.7 - 12.1 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | INR 10,000 - 15,000 | 12 | 80% - 100% | 80% - 100% | Business | Women, Have business, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Dairy Cow Loan | INR 24,999 - 25,000 | 24 | 80% - 100% | 0% - 20% | Business | Women, Low HH Inc, Med HH Inc, Must be supplying milk to procurers (Cooperatives or private) | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cycle Loan | 24.0%-30.0% annual, Flat | 2 Fees | 2 Ins | None | 3.0% upfront 20.00 ongoing | 70.9% - 86% | 98.2% - 115.6% | 22 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 27.2% - 28% | 29.2% - 30% | 30.3% - 31.1% | Yes | Yes | Yes | 99 | |||||||
| Dairy Cow Loan | 27% - 27.2% | 28% - 28.2% | 28.8% - 29% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 29.2% - 30% | 30.3% - 31.1% | 85 | ||||||||
| Dairy Cow Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28% - 28.2% | 28.8% - 29% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cycle Loan | 24.0%-30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 3.0% upfront 20.00 ongoing | 70.9% - 86% | 98.2% - 115.6% | 22 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 27.2% - 28% | 29.2% - 30% | 30.3% - 31.1% | Yes | Yes | Yes | 99 | |||||||
| Dairy Cow Loan | 27% - 27.2% | 28% - 28.2% | 28.8% - 29% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 29.2% - 30% | 30.3% - 31.1% | 85 | ||||||||
| Dairy Cow Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28% - 28.2% | 28.8% - 29% | 90 |
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