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
Data approved: 2013-03-26
Data version: 2
Age of data: 139 months
This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months.
MFTransparency presents basic data rather than full data for low volume products
Key Statistics
| Outstanding portfolio (GHS) | GHS 645,200 |
| Portfolio (USD) | USD 327,512.69 |
| Active Clients with Loans | 640 |
| Approximate % Female Clients | |
| Approximate % Urban Clients | |
Description
Designed for SMEs to augment their working capital.
Loan Purpose
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | x |
| Other | |
| Other (2) | |
Eligibility
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) | |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | 1 |
| # Regions for this product | N/A |
| Regions Active | |
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
Data approved: 2013-02-08
Data version: 2
Age of data: 139 months
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.saija.in/ |
| Year established | 2007 |
| Head of Institution | S. R. Sinha |
| Regions active | Bihar |
| # Branches | 7 |
| Total Portfolio (nat'l) | INR 248,186,765.50 |
| Total Portfolio (USD) | USD 4,682,769.16 |
| Active clients with loans | 24,779 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | |
3,131 Borrowers
USD 909,726.06 Portfolio
Active Product
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 |
| 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 » 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 |
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 |
