Institution

Spandana Sphoorty Financial Limited Plot No 79, Care Crystal,Vinayak Nagar, GachibowliHyderabad, Andhra Pradesh500032
Data approved: 2010-11-15
Data version: 1
Age of data: -   months 

Institution

Credi Fe Desarrollo Microempresarial S.A Francisco Robles 411 y 6 de DiciembreQuito, Pichincha28034
Data approved: 2011-11-01
Data version: 1
Age of data: 164 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionPadmaja Reddy G.
Regions active0
# Branches1795

Total Portfolio (nat'l)INR 43,180,018,634
Total Portfolio (USD)USD 959,555,969.60
Active clients with loans4,959,649
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.credife.com/
Year established1999
Head of InstitutionPaul Alejandro Arias
Regions active
# Branches117

Total Portfolio (nat'l)USD 397,135,164
Total Portfolio (USD)USD 397,135,164
Active clients with loans106,185
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAccion Internacional, Red Financiera Rural
FundersBanco Pichincha C.A

Loan Products » Summary

3,509,722 Borrowers
USD 665,413,655.80 Portfolio
Active Product
133,755 Borrowers
USD 53,277,751.27 Portfolio
Active Product
582,152 Borrowers
USD 184,467,694.60 Portfolio
Active Product

Loan Products » Summary

5,627 Borrowers
USD 20,387,951 Portfolio
Active Product
865 Borrowers
USD 4,964,256 Portfolio
Active Product
5,271 Borrowers
USD 58,261,946 Portfolio
Active Product
89,194 Borrowers
USD 296,425,310 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Abhilasha INR 6,000 - 20,000 11.5 - 23.1 80% - 100% 0% - 20% Business, Housing, Education, Other, to retire expensive debt, health purposes including better nutrition Women, economically active Credit Educ, Group Mtgs, Other Training
Dharani INR 5,000 - 50,000 3 - 11 0% - 20% 0% - 20% Business, only for working capital, exclusively for agri and allied purposes Women, Men, Must have agriculture ativity and secondary source of income Credit Educ, Group Mtgs
Pragathi INR 15,000 - 50,000 12 - 18 80% - 100% 0% - 20% Business, for income generation purposes Women, self-employed Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 300 - 10,000 2 - 24 40% - 60% 60% - 80% Any Purpose Women, Men, Have business Credit Ins
Credito Mejoramiento de Vivienda USD 1,000 - 20,000 3 - 60 40% - 60% 60% - 80% Housing Women, Men, Have home or land, Al menos 6 meses de relacion de crédito con la institución Credit Ins
Credito para Activo Fijo USD 500 - 20,000 3 - 36 40% - 60% 60% - 80% Housing, Compra de terrenos destinados al negocio, Compra/arreglo locales comerciales Women, Men, Have business, Al menos 24 meses de experiencia en su actividad Credit Ins, Tech Asst Visits
Credito para Capital de Trabajo USD 300 - 20,000 2 - 24 40% - 60% 60% - 80% Business, Housing Women, Men, Have business, Llevar sus negocios en condiciones de informalidad pero con un local fijo, Nacional o extranjero residente al menos dos años Credit Ins

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
Abhilasha 0% 0% 0% N/A
Dharani 0% 0% 0% N/A
Pragathi 0% 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 12.5%-15.0% annual, Flat 1 Fee 0 Ins None N/A 0% 0% N/A
Dharani 21.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Pragathi 25.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 24.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.9% - 26.8% 23.5% - 27.5% 98
Credito Mejoramiento de Vivienda 10.9%-26.9% annual, Decl Bal 0 Fees 2 Ins None N/A 10.8% - 27.3% 11.4% - 27.9% 67
Credito para Activo Fijo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92
Credito para Capital de Trabajo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92

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
Abhilasha 0% 0% 0% N/A
Dharani 0% 0% 0% N/A
Pragathi 0% 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Abhilasha 12.5%-15.0% annual, Flat 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Dharani 21.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Pragathi 25.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 24.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.9% - 26.8% 23.5% - 27.5% 98
Credito Mejoramiento de Vivienda 10.9%-26.9% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 10.8% - 27.3% 11.4% - 27.9% 67
Credito para Activo Fijo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92
Credito para Capital de Trabajo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92
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Loan Portfolio (USD)
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% Products with one or more fee
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% Products with compulsory deposits
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