2. ESAF
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

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

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK. Paul Thomas
Regions activeChhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches151

Total Portfolio (nat'l)INR 2,301,636,906
Total Portfolio (USD)USD 43,427,111.43
Active clients with loans352,627
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN

Loan Products » Summary

GL
34,589 Borrowers
USD 2,048,910.59 Portfolio
Active Product
IGL
272,854 Borrowers
USD 26,462,628.72 Portfolio
Active Product
Jeevandhara
1,612 Borrowers
USD 109,380.39 Portfolio
Active Product
Nirmal
1,106 Borrowers
USD 141,045.49 Portfolio
Active Product
IGL 2
44,043 Borrowers
USD 14,738,249.03 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 5,000 - 8,000 12 80% - 100% 0% - 20% Any Purpose Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training
Income Generation Loan INR 8,000 - 15,000 12 80% - 100% 0% - 20% Business Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training, Financial education
Jeevandhara INR 3,000 - 12,000 12 - 24 80% - 100% 0% - 20% For installing water connection Women, Men, Low HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Nirmal INR 6,000 - 12,000 12 - 24 80% - 100% 0% - 20% Sanitation Purposes Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Income Generation Loan 2+ INR 16,000 - 30,000 24 80% - 100% 0% - 20% Business Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Business Training

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
General Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Income Generation Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Jeevandhara 21.5% - 23.6% 23.8% - 25.5% 24.1% - 25.8% Yes Yes Yes 99
Nirmal 22% - 22.2% 23.2% - 23.4% 23.4% - 23.6% Yes Yes Yes 100
Income Generation Loan 2+ 26.7% - 27.2% 28.2% - 28.7% 28.3% - 28.9% Yes Yes Yes 97
*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
General Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Income Generation Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Jeevandhara 22.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.8% - 25.5% 24.1% - 25.8% 89
Nirmal 22.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.2% - 23.4% 23.4% - 23.6% 93
Income Generation Loan 2+ 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 28.2% - 28.7% 28.3% - 28.9% 90
Institution Price Graph
Click to view Price Analysis Tool
  2. Turanbank
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

TuranBank ASC IsmayÄlbey QutkaşÄnlÄ kàçsi 85Baku, Baku1000
Data approved: 2010-05-24
Data version: 1
Age of data: 176 months

Product

Orta hecimli istehlak Product 5 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 55,000
Portfolio (USD)USD 70,512.82
Active Clients with Loans311
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
IstehlakçÄlarÄn 35 000 manatadk yaranmÄş tlbatlarÄn àdnilmsi àçàn yaranmÄş kredit mhsulu
Loan Purpose
Any purposex
Income generation
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 1,500
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term30.0 months
Approx average24.0 months
Grace Period
Grace period usage30%
Average grace period24.0 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 payments

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesTime as Client, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission 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
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?No

Full Pricing Data

Orta hecimli istehlak samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountAZN 1,500AZN 3,000AZN 6,500AZN 9,000AZN 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-10-072009-10-202009-07-232009-07-242010-04-12
Loan Term (Months)12.0 months18.0 months18.0 months60.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months3.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component40.0%37.4%31.3%16.4%28.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.0%37.4%31.3%16.4%28.8%
Transparency Index62678010087
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Orta hecimli istehlak Price Graphs


Click to view Price Analysis Tool
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 ∞