2. FUNBODEM
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  2. ESAF
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Institution

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 130 months
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Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 139 months
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Product

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Product Summary

Number borrowers105
Loan Amount (range)USD 500 - 25,000
Loan Term (range)3 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method18.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.18%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)20.5% - 32.7%
Transparency Index (min/max)52 - 95
Transparency Index (average)68

Product Summary

1,612
INR 3,000 - 12,000
12 - 24
Credit Educ, Group Mtgs, Tech Asst Visits
22.0% annual, Decl Bal
1.00% upfront
None
12.36% fees
N/A
 
21.5% - 27.9%
1.2% - 2.3%
0
0.1% - 0.3%
24.1% - 25.8%
85 - 94
89

Product Details

Key Statistics
Outstanding portfolio (USD)USD 555,615.02
Portfolio (USD)USD 555,615.02
Active Clients with Loans105
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto financia necesidades operativas y de inversion bajo lineas de creditos como maximo en 3 desembolsos .
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,797,160.55
Portfolio (USD)USD 109,380.39
Active Clients with Loans1,612
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
The water loan is to meet the the cost of obtaining and installing municipal water connection.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor installing water connection
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product3
Regions ActiveChhattisgarh, Madhya Pradesh, Maharashtra

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50010%
USD 1,500-5,00015%
USD 5,000-10,00030%
USD 10,000-15,0005%
USD 15,000-18,0005%
Greater than USD 18,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term48.0 months
Approx average42.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months15%
Longer than 18 months80%
Grace Period
Grace period usage0
Average grace period0
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 payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 3,000
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than INR 5,00090%
INR 5,000-15,00010%
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPago del seguro de desgravamen
% of loan amount - min0.18%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Linea Agil samples
Sample 1Sample 2Sample 3
Loan AmountUSD 500USD 1,900USD 19,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-272013-12-272013-10-01
Loan Term (Months)20.0 months25.0 months19.0 months
Grace Period (Months)0.5 months0.5 months0.5 months
Total Cost of CreditUSD 156.74USD 612.69USD 3,434.46
True Price by Comp     
Interest price component32.0%26.1%19.8%
Fee Component0.0%0.0%0.0%
Insurance Component0.7%0.6%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.7%26.7%20.5%
Transparency Index526488
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Jeevandhara samples
Sample 1Sample 2Sample 3
Loan AmountINR 5,000INR 5,000INR 6,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-192013-03-192013-02-26
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months0.6 months
Total Cost of CreditINR 556.18INR 556.18INR 856.42
True Price by Comp     
Interest price component21.5%21.5%23.6%
Fee Component2.3%2.3%1.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.1%24.1%25.8%
MFIN MFI Earning (Annualised)23.8%23.8%25.5%
MFIN Cost to Borrower (Annualised)24.1%24.1%25.8%
Transparency Index919185
MFIN Transparency Index10010093
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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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
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