| 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 |
| 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 |
| 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 |
| 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 | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 156 |
| AJDFI | 13,100 | 884,000 | 6 | 156 |
| ARDCI | 44,600 | 9,403,000 | 1 | 156 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 156 |
| ASHI | 35,400 | 5,231,000 | 6 | 156 |
| ASKI | 60,000 | 15,247,000 | 4 | 156 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 156 |
| BSEI | 600 | 73,000 | 2 | 156 |
| CBI | 8,100 | 2,010,000 | 5 | 156 |
| CCT | 70,300 | 9,504,000 | 4 | 156 |
| CEV | 35,400 | 5,111,000 | 4 | 156 |
| DSPI | 59,300 | 3,676,000 | 3 | 156 |
| ECLOF | 5,400 | 1,836,000 | 4 | 156 |
| FCB | 12,000 | 2,392,000 | 2 | 156 |
| FMB | 2,700 | 710,000 | 2 | 156 |
| GM Bank | 23,500 | 1,553,000 | 3 | 156 |
| HSPFI | 19,100 | 1,899,000 | 2 | 156 |
| JVOFI | 1,300 | 281,000 | 1 | 156 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 156 |
| KDCI | 20,500 | 2,095,000 | 3 | 156 |
| KGI | 32,300 | 3,421,000 | 4 | 156 |
| KMBI | 245,000 | 15,098,000 | 1 | 156 |
| LTMPC | 37,400 | 8,935,000 | 3 | 156 |
| Mallig Plains | 6,500 | 641,000 | 2 | 156 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 156 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 155 |
| NWTF | 105,500 | 12,698,000 | 5 | 156 |
| OFMPC | 4,400 | 964,000 | 1 | 156 |
| PBC | 50,700 | 10,434,000 | 4 | 156 |
| PCSD | 700 | 167,000 | 1 | 156 |
| PMPC | 23,500 | 5,565,000 | 8 | 156 |
| RB Angeles | 900 | 1,502,000 | 2 | 156 |
| RB Labason | 500 | 289,000 | 1 | 156 |
| RBLI | 5,200 | 1,026,000 | 2 | 156 |
| RBMI | 11,900 | 1,750,000 | 2 | 156 |
| RMB | 100 | 173,000 | 1 | 156 |
| RSPI | 39,600 | 2,834,000 | 4 | 156 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 156 |
| Salve | 10,900 | 1,191,000 | 3 | 156 |
| SEDP | 27,000 | 3,914,000 | 3 | 156 |
| TSKI | 212,900 | 25,187,000 | 2 | 156 |
| TSPI | 264,500 | 31,290,000 | 7 | 156 |
| Valient | 1,700 | 672,000 | 2 | 156 |
| Key Statistics | |
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| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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