ESAF Microfinance & Investments (P) LTD - MFTransparency.org Truth In Lending Tables

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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: 140 months

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Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh

Data approved: 2013-04-23

Data version: 3

Age of data: 140 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.emfil.org/
Year established	1996
Head of Institution	K. Paul Thomas
Regions active	Chhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches	151

Total Portfolio (nat'l)	INR 2,301,636,906
Total Portfolio (USD)	USD 43,427,111.43
Active clients with loans	352,627
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.kredit.com.kh
Year established	2000
Head of Institution	Chan Mach
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Takéo
# Branches	51

Total Portfolio (nat'l)	KHR 239,343,000,000
Total Portfolio (USD)	USD 60,593,164.56
Active clients with loans	62,626
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations
Funders

Loan Products » Summary

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 » Summary

IDR-AGR-KHR

8,084 Borrowers

USD 5,156,516.59 Portfolio

Active Product

ID-AGR-USD

2,624 Borrowers

USD 4,637,246.14 Portfolio

Active Product

ID-KHR

7,339 Borrowers

USD 3,065,231.29 Portfolio

Active Product

ID-USD

24,845 Borrowers

USD 42,321,723.05 Portfolio

Active Product

SG-AGR-KHR

245 Borrowers

USD 51,622.01 Portfolio

Active Product

SG-KHR

180 Borrowers

USD 21,243.63 Portfolio

Active Product

VSU-KHR

18,454 Borrowers

USD 3,950,090.79 Portfolio

Active Product

SG-USD

35 Borrowers

USD 3,011 Portfolio

Low Volume Product

SME-USD

6 Borrowers

USD 112,957.75 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
ID-AGR-KHR	KHR 100,000 - 20,000,000	4 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land
ID-AGR-USD	USD 100 - 5,000	4 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land
ID-KHR	KHR 200,000 - 40,000,000	4 - 36	80% - 100%	0% - 20%	Business, Housing, Consumer	Women, Men, Have business, Have home or land
ID-USD	USD 100 - 20,000	4 - 36	80% - 100%	0% - 20%	Business, Housing, Consumer	Women, Men, Have business, Have home or land
SG-AGR-KHR	KHR 100,000 - 1,200,000	4 - 12	80% - 100%	0% - 20%	Business, Housing, Consumer	Women, Men, Have business, Have home or land	Group Mtgs
SG-KHR	KHR 100,000 - 1,200,000	4 - 12	80% - 100%	0% - 20%	Business, Housing, Consumer	Women, Men, Have business, Have home or land	Group Mtgs
VSU-KHR	KHR 50,000 - 1,200,000	4 - 12	80% - 100%	0% - 20%	Any Purpose	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Other 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	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
General Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Income Generation Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Jeevandhara	22.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	23.8% - 25.5%	24.1% - 25.8%	89
Nirmal	22.0%-26.0% annual, Decl Bal	1 Fee	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	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
ID-AGR-KHR	27.0%-36.0% annual, Decl Bal	None	N/A	25.6% - 36%	25.6% - 36%	86
ID-AGR-USD	21.0%-36.0% annual, Decl Bal	None	N/A	22.9% - 31.8%	22.9% - 31.8%	74
ID-KHR	24.0%-36.0% annual, Decl Bal	None	N/A	27.7% - 36.8%	27.7% - 36.8%	72
ID-USD	19.8%-36.0% annual, Decl Bal	None	N/A	21.8% - 30.7%	21.8% - 30.7%	73
SG-AGR-KHR	36.0% annual, Decl Bal	None	N/A	36%	36%	100
SG-KHR	36.0% annual, Decl Bal	None	N/A	36%	36%	100
VSU-KHR	34.2% annual, Decl Bal	None	N/A	32% - 32.2%	32% - 32.2%	100

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 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 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 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 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 Ins	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
ID-AGR-KHR	27.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	25.6% - 36%	25.6% - 36%	86
ID-AGR-USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	22.9% - 31.8%	22.9% - 31.8%	74
ID-KHR	24.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	27.7% - 36.8%	27.7% - 36.8%	72
ID-USD	19.8%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	21.8% - 30.7%	21.8% - 30.7%	73
SG-AGR-KHR	36.0% annual, Decl Bal	0 Ins Ins	None	N/A	36%	36%	100
SG-KHR	36.0% annual, Decl Bal	0 Ins Ins	None	N/A	36%	36%	100
VSU-KHR	34.2% annual, Decl Bal	0 Ins Ins	None	N/A	32% - 32.2%	32% - 32.2%	100

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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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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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