| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1998 |
| Head of Institution | Verónica Albarracín |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | USD 10,020,807 |
| Total Portfolio (USD) | USD 10,020,807 |
| Active clients with loans | 5,383 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Red Financiera Rural, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
| Funders | Fondo Hivos Triodos, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asomi.co.in/ |
| Year established | 2008 |
| Head of Institution | Subhrajyoti Bharali |
| Regions active | |
| # Branches | 50 |
| Total Portfolio (nat'l) | INR 251,500,000 |
| Total Portfolio (USD) | USD 4,745,283.02 |
| Active clients with loans | 50,326 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito microempresa | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Desarrollo Familiar | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Salaried worker, Beneficiario de una jubilación, monte pio o similares. | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | INR 25,000 - 50,000 | 10 - 12 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
| SHG Loan | INR 5,000 - 25,000 | 12 | 60% - 80% | 0% - 20% | Business | Women | Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito microempresa | 22.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 17.3% - 25.4% | 18% - 26.2% | 96 | ||||||||
| Desarrollo Familiar | 15.1% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 15.3% - 15.5% | 15.6% - 16.8% | 94 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito microempresa | 22.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 17.3% - 25.4% | 18% - 26.2% | 96 | ||||||||
| Desarrollo Familiar | 15.1% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 15.3% - 15.5% | 15.6% - 16.8% | 94 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
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