Institution

S.M.I.L.E. Microfinance Limited 4, Dr.Natesan RoadAshok NagarChennai, Tamilnadu600083
Data approved: 2013-05-21
Data version: 1
Age of data: 131 months

Institution

Hagdan Sa Pag-uswag Foundation, Inc. RER Phase 2, National Highway, KauswaganCagayan de Oro City, Misamis Oriental9000
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.smileltd.org
Year established1995
Head of InstitutionMr. M. Sathiyamoorthi
Regions activeTamil Nadu, Puducherry
# Branches151

Total Portfolio (nat'l)INR 3,017,141,968
Total Portfolio (USD)USD 56,927,206.94
Active clients with loans360,271
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsSa-Dhan, MFIN

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1987
Head of InstitutionDr. Vicente R. Geducos, CPA
Regions active
# Branches9

Total Portfolio (nat'l)PhP 77,295,975.67
Total Portfolio (USD)USD 1,849,186.02
Active clients with loans18,350
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsOpportunity International Network, Alliance for Philippine Partners in Enterprise Development (APPEND), Mindanao Microfinance Council (MMC), Philippine Partnership for the Development of Human Resources in Rural Areas (PhilDHRRA)
FundersOIKOCredit, People's Credit and Finance Corporation (PCFC), PinoyMe Foundation, Small Business Corporation (SBC)

Loan Products » Summary

IGP
360,271 Borrowers
USD 56,927,206.94 Portfolio
Active Product

Loan Products » Summary

18,350 Borrowers
USD 1,849,186.03 Portfolio
Active Product
818 Borrowers
USD 50,239.23 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (IGP) INR 5,000 - 30,000 6 - 24 100% 40% - 60% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan PHP 3,000 - 30,000 3 - 10 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program
Individual Loan PHP 10,000 - 40,000 3 - 10 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program

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 Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 40.00 ongoing 80.6% - 93.1% 94.6% - 216.6% 27
Individual Loan 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 84.5% - 85.9% 99.6% - 108.9% 34

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 Loan (IGP) 25.2% - 26% 26.8% - 27.9% 28.7% - 30.9% Yes Yes Info awaited 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (IGP) 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 27.9% 28.7% - 30.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 40.00 ongoing 80.6% - 93.1% 94.6% - 216.6% 27
Individual Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 84.5% - 85.9% 99.6% - 108.9% 34
Institution Price Graph
Institution Price Graph
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to