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

Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 160 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: 140 months

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Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200

Data approved: 2011-11-15

Data version: 1

Age of data: 160 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-Governmental Organization
Is this institution regulated?	No
Website address	http://adjesum.multiply.com/
Year established	1997
Head of Institution	Sr. Bernadette R. Dollete, CSJ
Regions active
# Branches	9

Total Portfolio (nat'l)	PhP 76,253,793
Total Portfolio (USD)	USD 1,824,253.42
Active clients with loans	9,525
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	People's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment
Funders	Catholic Relief Services

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

Asset

120 Borrowers

USD 64,320.74 Portfolio

Active Product

Educational

221 Borrowers

USD 3,789.31 Portfolio

Active Product

Regular

11,000 Borrowers

USD 461,158.13 Portfolio

Active Product

House Repair

276 Borrowers

USD 8,752.51 Portfolio

Active Product

Micro-Agri

300 Borrowers

USD 265,383.21 Portfolio

Active Product

MultiPurpose

1,200 Borrowers

USD 81,471.36 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Asset Acquisition - Land	PHP 40,000 - 70,000	36	80% - 100%	20% - 40%	Housing	Women, Men	Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Educational Loan	PHP 3,000 - 5,000	6	80% - 100%	0% - 20%	Education	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Business Training
Grameen I or Regular Loan	PHP 3,000 - 60,000	6 - 12	80% - 100%	0% - 20%	Any Purpose	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan	PHP 3,000 - 5,000	6	80% - 100%	20% - 40%	Housing	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Micro-Agri Loan	PHP 5,000 - 70,000	6 - 12	60% - 80%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Multi Purpose Loan	PHP 5,000 - 15,000	6 - 12	80% - 100%	20% - 40%	Any Purpose	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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	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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Acquisition - Land	10.0% annual, Flat	1 Fee	2 Ins	None	N/A	73.8%	78.7%	13
Educational Loan	0.0% annual, Flat	1 Fee	2 Ins	None	N/A	12.3%	125%	0
Grameen I or Regular Loan	36.0% annual, Flat	1 Fee	2 Ins	1.00% loan amt	5.0% upfront 8.00-20.00 ongoing	73.8% - 81.8%	87% - 224%	31
House Repair Loan	12.0% annual, Flat	1 Fee	2 Ins	None	N/A	23.6%	174.9%	7
Micro-Agri Loan	36.0% annual, Flat	1 Fee	1 Ins	None	N/A	42.9% - 43.7%	44.4% - 56.4%	74
Multi Purpose Loan	36.0% annual, Flat	1 Fee	2 Ins	None	5.0% upfront 20.00 ongoing	73.8%	102.6% - 139.1%	30

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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Acquisition - Land	10.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	73.8%	78.7%	13
Educational Loan	0.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	12.3%	125%	0
Grameen I or Regular Loan	36.0% annual, Flat	1 Fee	2 Ins Ins	1.00% loan amt	5.0% upfront 8.00-20.00 ongoing	73.8% - 81.8%	87% - 224%	31
House Repair Loan	12.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	23.6%	174.9%	7
Micro-Agri Loan	36.0% annual, Flat	1 Fee	1 Ins Ins	None	N/A	42.9% - 43.7%	44.4% - 56.4%	74
Multi Purpose Loan	36.0% annual, Flat	1 Fee	2 Ins Ins	None	5.0% upfront 20.00 ongoing	73.8%	102.6% - 139.1%	30

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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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