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Institution

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748
Data approved: 2013-08-15
Data version: 3
Age of data: 122 months

Institution

Chaitanya India Fin Credit Pvt Ltd #169, 1st Floor, 5th MainChamarajpetBangalore, KarnatakaPO Box 560018
Data approved: 2012-11-26
Data version: 3
Age of data: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.crecer.org.bo/
Year established1999
Head of InstitutionJosé Auad Lema
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches9

Total Portfolio (nat'l)BOB 910,004,033.70
Total Portfolio (USD)USD 134,815,412.40
Active clients with loans167,043
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsFINRURAL, FOROLAC, PROCOSI
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chaitanyaindia.in/
Year established2009
Head of InstitutionAnand Rao
Regions activeKarnataka
# Branches10

Total Portfolio (nat'l)INR 205,228,721
Total Portfolio (USD)USD 3,872,240.02
Active clients with loans21,309
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

112,789 Borrowers
USD 50,605,697.63 Portfolio
Active Product
2,615 Borrowers
USD 7,958,924 Portfolio
Active Product
18,879 Borrowers
USD 47,475,532.15 Portfolio
Active Product
4,627 Borrowers
USD 14,604,213.93 Portfolio
Active Product
756 Borrowers
USD 3,540,515 Portfolio
Active Product
809 Borrowers
USD 936,721.93 Portfolio
Active Product
419 Borrowers
USD 1,352,590.37 Portfolio
Active Product
25,920 Borrowers
USD 7,906,821.93 Portfolio
Active Product
57 Borrowers
USD 96,389.78 Portfolio
Active Product
29 Borrowers
USD 54,848 Portfolio
Low Volume Product
4 Borrowers
USD 15,215 Portfolio
Low Volume Product
36 Borrowers
USD 19,252.15 Portfolio
Low Volume Product
27 Borrowers
USD 59,331 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

2,162 Borrowers
USD 528,259.92 Portfolio
Active Product
8,393 Borrowers
USD 1,785,925.49 Portfolio
Active Product
10,150 Borrowers
USD 1,434,276.25 Portfolio
Active Product
Retired Product
Retired Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Banca Comunal BOB 100 - 15,000 5.3 - 11.3 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas
Credito Individual - USD USD 100 - 10,000 13 - 80.53 60% - 80% 40% - 60% Business, Housing, Education, Other Women, Men, Have business Credit Educ, Credit Ins, Business Training, Other Training
Credito Individual - BOB BOB 700 - 70,000 3.03 - 87.8 80% - 100% 40% - 60% Business, Housing, Education, Other Women, Men, Have business Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Crédito Agropecuario - BOB BOB 700 - 70,000 4.6 - 83.13 20% - 40% 0% - 20% Business, Agriculture, Other Women, Men, Have business Credit Educ, Credit Ins
Crédito Agropecuario - USD USD 100 - 10,000 10.7 - 71.3 20% - 40% 0% - 20% Business, Agriculture, Other Women, Men, Have business Credit Educ, Credit Ins
Crédito para Consumo - BOB BOB 700 - 70,000 3.4 - 61.2 0% - 20% 40% - 60% Consumer, Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Crédito para Vivienda - BOB BOB 700 - 70,000 5 - 49.7 40% - 60% 40% - 60% Housing, Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Crédito Oportuno BOB 500 - 3,000 0.7 - 16.9 80% - 100% 40% - 60% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Crédito al Personal - BOB BOB 700 - 35,000 18.6 - 37.2 40% - 60% 40% - 60% Other Women, Men, Salaried worker Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
2D Business Loan INR 36,000 - 50,000 24 - 30 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins
3D Business Loan INR 36,000 - 50,000 24 - 30 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins
One Year Business Loan INR 5,000 - 15,000 12 80% - 100% 0% - 20% Business Women, Could be used in income generating activities. Credit Educ, 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
Banca Comunal 34.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.00% ongoing 36% 50.6% - 51.4% 66
Credito Individual - USD 16.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.3% - 22.4% 16.3% - 22.4% 82
Credito Individual - BOB 12.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17.4% - 23.7% 17.4% - 23.7% 62
Crédito Agropecuario - BOB 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18.4% - 24.6% 18.4% - 24.6% 87
Crédito Agropecuario - USD 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19.1% - 23.4% 19.1% - 23.4% 86
Crédito para Consumo - BOB 19.0%-30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.4% - 27.5% 20.4% - 27.5% 75
Crédito para Vivienda - BOB 19.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18.8% - 19.4% 18.8% - 19.4% 99
Crédito Oportuno 32.1% annual, Decl Bal 0 Fees 0 Ins None N/A 32.6% - 32.7% 32.6% - 32.7% 98
Crédito al Personal - BOB 12.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A

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
2D Business Loan 25.9% 27.3% - 27.5% 29.6% - 30.1% Yes Yes Yes 100
3D Business Loan 25.9% - 27.3% 28% - 29.5% 31.3% - 33% Yes Yes Yes 99
One Year Business Loan 25.8% - 25.9% 27.5% - 27.7% 30.1% - 30.5% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
2D Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.3% - 27.5% 29.6% - 30.1% 87
3D Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28% - 29.5% 31.3% - 33% 81
One Year Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 27.5% - 27.7% 30.1% - 30.5% 85

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Banca Comunal 34.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.00% ongoing 36% 50.6% - 51.4% 66
Credito Individual - USD 16.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 16.3% - 22.4% 16.3% - 22.4% 82
Credito Individual - BOB 12.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 17.4% - 23.7% 17.4% - 23.7% 62
Crédito Agropecuario - BOB 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18.4% - 24.6% 18.4% - 24.6% 87
Crédito Agropecuario - USD 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19.1% - 23.4% 19.1% - 23.4% 86
Crédito para Consumo - BOB 19.0%-30.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.4% - 27.5% 20.4% - 27.5% 75
Crédito para Vivienda - BOB 19.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18.8% - 19.4% 18.8% - 19.4% 99
Crédito Oportuno 32.1% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.6% - 32.7% 32.6% - 32.7% 98
Crédito al Personal - BOB 12.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A

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
2D Business Loan 25.9% 27.3% - 27.5% 29.6% - 30.1% Yes Yes Yes 100
3D Business Loan 25.9% - 27.3% 28% - 29.5% 31.3% - 33% Yes Yes Yes 99
One Year Business Loan 25.8% - 25.9% 27.5% - 27.7% 30.1% - 30.5% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
2D Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.3% - 27.5% 29.6% - 30.1% 87
3D Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28% - 29.5% 31.3% - 33% 81
One Year Business Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 27.5% - 27.7% 30.1% - 30.5% 85
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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