2. SCCI
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

SWAWS Credit Corporation India Private Limited C2 Pooja Plaza, Vikrampuri ColonyKharkhanaSecunderabad, Andhra Pradesh500003
Data approved: 2013-05-14
Data version: 2
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.sccimicrofinance.com/
Year established1995
Head of InstitutionMrs. R.Girija
Regions activeAndhra Pradesh, Karnataka, Maharashtra, Orissa, Tamil Nadu
# Branches83

Total Portfolio (nat'l)INR 892,862,262
Total Portfolio (USD)USD 16,846,457.77
Active clients with loans121,066
Approximate % female clients100%
Approximate % urban clients60% - 80%
Network affiliationsMFIN, SA-DHAN

Loan Products » Summary

Fortnightly
21,038 Borrowers
USD 3,072,558.17 Portfolio
Active Product
Weekly
94,660 Borrowers
USD 12,837,959.98 Portfolio
Active Product
Monthly JLG
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fortnightly Loan INR 5,000 - 30,000 12 - 24 100% 60% - 80% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 Out of 5 members should have own house in a group, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training
Weekly JLG INR 5,000 - 30,000 12 - 24 100% 80% - 100% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 out of 5 members should have own house, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training, Product Linkages

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
Fortnightly Loan 26.8% - 27.3% 29.1% - 29.6% 30.9% - 31.5% Yes Yes Yes 93
Weekly JLG 25.8% - 26.6% 28% - 28.8% 29.8% - 30.6% Yes Yes Yes 96
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fortnightly Loan 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.1% - 29.6% 30.9% - 31.5% 80
Weekly JLG 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28% - 28.8% 29.8% - 30.6% 83
Institution Price Graph
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  2. Juhudi Kilimo
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Juhudi Kilimo Limited Liability Company NairobiKenyaPO Box 25363
Data approved: 2012-03-12
Data version: 2
Age of data: -   months 
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Product

Asset Financing Dairy Cow Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KES)KES 58,600,000
Portfolio (USD)USD 707,729.47
Active Clients with Loans5,100
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan for the specific purpose of purchasing a dairy cow
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCan be used to improve the structure used to house
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherOptional low-cost life insurance through CIC at Kshs 3,290 for a year coverage
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherMust be a dairy farmer
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 30,000
Maximum loan size300,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage100%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest16.00%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesChanging all interest rates from 16% to 18% in Jan 2010
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionLoan InsuranceCow Insurance
% of loan amount - min1.00%4.00%
% of loan amount - max1.00%4.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

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# Countries
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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