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

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109

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://www.ashi.org.ph/
Year established	1991
Head of Institution	Mila Mercado-Bunker
Regions active
# Branches	21

Total Portfolio (nat'l)	PhP 238,006,978
Total Portfolio (USD)	USD 5,693,946.84
Active clients with loans	31,322
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Microfinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
Funders	TRIAS, PCFC, Peace & Equity Foundation, KIVA

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

Center Loan

204 Borrowers

USD 8,356.98 Portfolio

Active Product

Education

3,590 Borrowers

USD 369,189.07 Portfolio

Active Product

General

19,732 Borrowers

USD 3,499,289.83 Portfolio

Active Product

Group

3,228 Borrowers

USD 505,472.85 Portfolio

Active Product

House Repair

8,000 Borrowers

USD 801,853.97 Portfolio

Active Product

Recovery

660 Borrowers

USD 47,454.43 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
Center Loan	PHP 1,000 - 50,000	6 - 24	80% - 100%	20% - 40%	Other, Payment of past due of willful member	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan	PHP 3,000 - 20,000	6 - 24	80% - 100%	20% - 40%	Education	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan	PHP 3,000 - 50,000	6 - 24	80% - 100%	20% - 40%	Business	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan	PHP 700 - 49,000	2 - 6	80% - 100%	20% - 40%	Other	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan	PHP 3,000 - 20,000	6 - 24	80% - 100%	20% - 40%	Housing	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan	PHP 3,000 - 3,000	6	80% - 100%	20% - 40%	Business	Women	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
Center Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	33.1% - 44.3%	33.1% - 44.3%	65
Educational Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	47.3% - 48.4%	47.3% - 48.4%	52
General Loan	25.0% annual, Flat	1 Fee	2 Ins	None	5.00 upfront 5.00 ongoing	70.1%	72.1% - 106.2%	31
Group Fund Loan	0.0% annual, Flat	1 Fee	0 Ins	None	N/A	17.3% - 19.8%	17.3% - 40.9%	0
House Repair Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	47.3% - 47.6%	47.3% - 47.6%	53
Recovery Loan	25.0% annual, Flat	0 Fees	0 Ins	None	None	47.3% - 48.4%	47.3% - 48.4%	52

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
Center Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	33.1% - 44.3%	33.1% - 44.3%	65
Educational Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	47.3% - 48.4%	47.3% - 48.4%	52
General Loan	25.0% annual, Flat	1 Fee	2 Ins Ins	None	5.00 upfront 5.00 ongoing	70.1%	72.1% - 106.2%	31
Group Fund Loan	0.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	17.3% - 19.8%	17.3% - 40.9%	0
House Repair Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	47.3% - 47.6%	47.3% - 47.6%	53
Recovery Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	None	47.3% - 48.4%	47.3% - 48.4%	52

Institution Price Graph

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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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N (# of Samples)
Total Borrrowers of Samples


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By Country

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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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