2. VF Cambodia
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Saija
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

VisionFund Cambodia #20, St. 71N/APhnom Penh, Phnom Penh479
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 
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Institution

Saija Finance Pvt. Ltd. Uma Complex, 3rd FloorFraser RoadPatna, BahirPO Box 800001
Data approved: 2013-02-08
Data version: 2
Age of data: 136 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2003
Head of InstitutionBora OmSeng
Regions active0
# Branches67

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans85,172
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions activeBihar
# Branches7

Total Portfolio (nat'l)INR 248,186,765.50
Total Portfolio (USD)USD 4,682,769.16
Active clients with loans24,779
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

Agricultural Loan - Community Bank - USD
57,274 Borrowers
USD 8,748,462.62 Portfolio
Active Product
AL-IL-USD
1,695 Borrowers
USD 2,366,822.44 Portfolio
Active Product
AL-SG-USD
3,558 Borrowers
USD 1,313,805.49 Portfolio
Active Product
Small Business Loan - Community Bank - USD
18,759 Borrowers
USD 2,078,869.81 Portfolio
Active Product
SBL-IL-USD
2,041 Borrowers
USD 2,419,566.81 Portfolio
Active Product
SBL-SG-USD
2,342 Borrowers
USD 707,896.05 Portfolio
Active Product

Loan Products » Summary

Business
3,131 Borrowers
USD 909,726.06 Portfolio
Active Product
Household
21,648 Borrowers
USD 3,773,043.10 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan - Community Bank - USD USD 1 - 250 0 80% - 100% 0% - 20% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Individual - USD USD 1,001 - 10,000 0 80% - 100% 60% - 80% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - USD USD 251 - 1,000 0 80% - 100% 20% - 40% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - USD USD 1 - 250 0 80% - 100% 0% - 20% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Individual - USD USD 1,001 - 10,000 0 80% - 100% 60% - 80% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - USD USD 251 - 1,000 0 80% - 100% 20% - 40% Business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Saija Karobar Rin - Business JLG INR 5,000 - 50,000 11.5 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Ins
Saija Mahila Rin - Household JLG INR 5,000 - 50,000 11.5 - 24 80% - 100% 100% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Agricultural Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Agricultural Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0
Small Business Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% 0

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
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Agricultural Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Agricultural Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Community Bank - USD 2.9%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Individual - USD 1.9%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0
Small Business Loan - Solidarity Group - USD 2.8%-3.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% 0

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
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92
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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
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