Institution

Cooperativa de Ahorro y Credito Ambato Ltda Lalama 08-51 y Juan B VelaAmbato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution

Janalakshmi Financial Services (P) Ltd. Rajashree Saroja Plaza, 34/1, Andree Road,ShanthinagarBangalore, Karnataka560027
Data approved: 2013-05-03
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionJOSE SANTOS CHANGO UÑOG
Regions active
# Branches6

Total Portfolio (nat'l)USD 16,830,803
Total Portfolio (USD)USD 16,830,803
Active clients with loans5,308
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions activeGujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi
# Branches66

Total Portfolio (nat'l)INR 6,311,118,034
Total Portfolio (USD)USD 119,077,698.80
Active clients with loans506,075
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, AKMI

Loan Products » Summary

595 Borrowers
USD 1,816,861 Portfolio
Active Product
760 Borrowers
USD 14,598,939 Portfolio
Active Product

Loan Products » Summary

161 Borrowers
USD 37,515.45 Portfolio
Active Product
505,914 Borrowers
USD 119,040,183.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 200 - 20,000 2 - 30 20% - 40% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men Credit Educ
Microcredito USD 400 - 50,000 4 - 30 0% - 20% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men Credit Educ

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 20,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs. Credit Educ
Small Group Loan INR 5,000 - 50,000 12 - 24 100% 100% Business, Housing, Consumer, Education, Other Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. 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
Consumo 15.2%-18.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 13.3% - 15.4% 15.7% - 18.3% 87
Microcredito 18.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 15.4% - 23.1% 18.2% - 27.1% 77

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 15.2%-18.0% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 13.3% - 15.4% 15.7% - 18.3% 87
Microcredito 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 15.4% - 23.1% 18.2% - 27.1% 77

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83
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