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Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 122 months

Institution

S.M.I.L.E. Microfinance Limited 4, Dr.Natesan RoadAshok NagarChennai, Tamilnadu600083
Data approved: 2013-05-21
Data version: 1
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1990
Head of InstitutionAlvaro Moscoso Blanco
Regions activeChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches18

Total Portfolio (nat'l)BOB 854,406,455
Total Portfolio (USD)USD 126,578,734.10
Active clients with loans8,530
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), Kiva, Oikocredit, Banco de Desarrollo Productivo (BDP S.A.M.)

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.smileltd.org
Year established1995
Head of InstitutionMr. M. Sathiyamoorthi
Regions activeTamil Nadu, Puducherry
# Branches151

Total Portfolio (nat'l)INR 3,017,141,968
Total Portfolio (USD)USD 56,927,206.94
Active clients with loans360,271
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsSa-Dhan, MFIN

Loan Products » Summary

293 Borrowers
USD 923,124 Portfolio
Active Product
63 Borrowers
USD 3,169,914 Portfolio
Active Product
987 Borrowers
USD 4,295,108.89 Portfolio
Active Product
203 Borrowers
USD 8,446,409 Portfolio
Active Product
1,704 Borrowers
USD 8,292,464.89 Portfolio
Active Product
740 Borrowers
USD 39,912,313 Portfolio
Active Product
3,357 Borrowers
USD 15,367,998.81 Portfolio
Active Product
1,183 Borrowers
USD 46,171,401 Portfolio
Active Product

Loan Products » Summary

IGP
360,271 Borrowers
USD 56,927,206.94 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 2,000 - 362,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men Credit Ins
Credito Hipotecaria (BOB) BOB 3,500 - 843,200 12 - 96 0% - 20% 0% - 20% Housing Women, Men Credit Ins
Credito Hipotecaria (USD) USD 1,200 - 68,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 3,000 - 890,000 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business Credit Ins
Microcredito para Comercio y Servicios (USD) USD 500 - 126,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 3,400 - 892,956 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
Microcredito Productivo (USD) USD 500 - 150,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (IGP) INR 5,000 - 30,000 6 - 24 100% 40% - 60% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 16.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.1% - 26.7% 17.1% - 27.3% 71
Credito de Consumo (USD) 16.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24.7% 25.3% 63
Credito Hipotecaria (BOB) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.2% - 22.4% 18.8% - 23% 81
Credito Hipotecaria (USD) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.1% - 19.7% 18.6% - 20.3% 87
Microcredito para Comercio y Servicios (BOB) 18.0%-26.0% annual, Decl Bal 0 Fees 1 Ins None N/A 20.4% - 25.4% 20.9% - 26% 76
Microcredito para Comercio y Servicios (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18% - 26.7% 18.6% - 27.3% 80
Microcredito Productivo (BOB) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18% - 26.7% 18.6% - 27.3% 83
Microcredito Productivo (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.9% - 21.7% 19.4% - 22.4% 86

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 16.0%-27.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 17.1% - 26.7% 17.1% - 27.3% 71
Credito de Consumo (USD) 16.0%-25.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24.7% 25.3% 63
Credito Hipotecaria (BOB) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.2% - 22.4% 18.8% - 23% 81
Credito Hipotecaria (USD) 17.0%-25.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.1% - 19.7% 18.6% - 20.3% 87
Microcredito para Comercio y Servicios (BOB) 18.0%-26.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 20.4% - 25.4% 20.9% - 26% 76
Microcredito para Comercio y Servicios (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18% - 26.7% 18.6% - 27.3% 80
Microcredito Productivo (BOB) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18% - 26.7% 18.6% - 27.3% 83
Microcredito Productivo (USD) 18.0%-27.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.9% - 21.7% 19.4% - 22.4% 86

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
Micro Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88
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