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Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 110 months

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 112 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.belstar.in
Year established2009
Head of InstitutionDr.Kalpana sankar
Regions activeMadhya Pradesh, Tamil Nadu, Puducherry
# Branches64

Total Portfolio (nat'l)INR 1,269,117,806
Total Portfolio (USD)USD 23,945,618.98
Active clients with loans123,092
Approximate % female clients100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Institutions Network - MFIN

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.viator-az.com
Year established1998
Head of InstitutionAbraham Vencent Asgapo
Regions activeGanja-Qazakh, Shaki-Zaqatala
# Branches6

Total Portfolio (nat'l)AZN 15,994,615
Total Portfolio (USD)USD 20,505,916.67
Active clients with loans19,567
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAMFA (Azerbaijan MicroFinance Assosiation), MIX Market, MFC (Microfinance Center)
FundersIncofin Investment Management, Grameen Credit Agricole Foundation, ConCap, Symbiotics

Loan Products » Summary

117,606 Borrowers
USD 22,895,241.62 Portfolio
Active Product
5,485 Borrowers
USD 1,050,377.36 Portfolio
Active Product

Loan Products » Summary

11,415 Borrowers
USD 11,090,106.41 Portfolio
Active Product
2,163 Borrowers
USD 2,008,711.54 Portfolio
Active Product
74 Borrowers
USD 273,860.26 Portfolio
Active Product
473 Borrowers
USD 535,276.92 Portfolio
Active Product
272 Borrowers
USD 567,274 Portfolio
Active Product
4,771 Borrowers
USD 4,967,337 Portfolio
Active Product
187 Borrowers
USD 758,087 Portfolio
Active Product
212 Borrowers
USD 268,252 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Enterprise Loan INR 12,000 - 30,000 13 - 25 100% 0% - 20% Business, Agriculture Women, Specific age group, Low HH Inc, Med HH Inc, Must be a Member of an SHG, Must be in the age group of 18 to 60 years. Credit Educ, Group Mtgs, Credit Ins, Business Training
Educational Loan INR 11,000 - 11,000 12 100% 0% - 20% Education Women, Specific age group, Low HH Inc, Med HH Inc Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan AZN 300 - 6,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan AZN 300 - 3,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Agricultural Loan USD USD 400 - 8,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan USD USD 400 - 4,000 3 - 18 40% - 60% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training

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 Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.5% 28% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.7% - 34.4% 35.3% - 36.4% 80
Micro-Business Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 34.5% - 34.6% 36.5% - 36.6% 79
Small Enterprise Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Social Business Loan 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89
Agricultural Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.4% 34.9% 83
Micro-Business Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.5% - 34.7% 34.9% - 36.7% 80
Small Enterprise Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 32.6% 34% 85
Social Business Loan USD 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89

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 Enterprise Loan 24.7% - 26.4% 25.7% - 28% 26.7% - 29% 100
Educational Loan 24.7% 26.5% 28% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 25.7% - 28% 26.7% - 29% 91
Educational Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.5% 28% 89

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.7% - 34.4% 35.3% - 36.4% 80
Micro-Business Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 34.5% - 34.6% 36.5% - 36.6% 79
Small Enterprise Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Social Business Loan 28.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 31.1% 32.5% 89
Agricultural Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.4% 34.9% 83
Micro-Business Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.5% - 34.7% 34.9% - 36.7% 80
Small Enterprise Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 32.6% 34% 85
Social Business Loan USD 28.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 31.1% 32.5% 89
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