2. ESAF
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Valient
Please note that the information you are viewing is 162 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: 2010-10-25
Data version: 2
Age of data: -   months 
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Institution

Valiant Rural Bank (Iloilo City), Inc. 41-A Mabini StreetIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK.PAUL THOMAS
Regions active0
# Branches105

Total Portfolio (nat'l)INR 1,561,228,229
Total Portfolio (USD)USD 34,693,960.64
Active clients with loans220,011
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionIAN ERIC S. PAMA
Regions active
# Branches3

Total Portfolio (nat'l)PhP 28,130,268
Total Portfolio (USD)USD 672,972.92
Active clients with loans1,772
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsRural Bankers Association of the Philippines (RBAP), Philippine Deposit Insurance Corporation (PDIC), Iloilo Federation of Rural Bankers
Funders

Loan Products » Summary

GL
37,676 Borrowers
USD 2,251,389.09 Portfolio
Active Product
IGL
211,746 Borrowers
USD 31,891,022.89 Portfolio
Active Product
Jeevandhara
1,775 Borrowers
USD 131,947.11 Portfolio
Active Product
Nirmal
363 Borrowers
USD 75,367 Portfolio
Active Product

Loan Products » Summary

BUGANA
914 Borrowers
USD 343,132.15 Portfolio
Active Product
LEADS
858 Borrowers
USD 329,840.79 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 6,000 - 8,000 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Business Training
Income Generation Loan INR 10,000 - 20,000 12 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Business Training
Jeevandhara INR 3,000 - 12,000 12 - 24 80% - 100% 0% - 20% For installing water connection Women, Men Credit Educ, Group Mtgs
Nirmal INR 6,000 - 12,000 12 - 24 80% - 100% 0% - 20% for sanitation Purposes Women, Men Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
BUGANA PHP 3,000 - 150,000 2 - 12 80% - 100% 0% - 20% Any Purpose Women, Men, Farmers with Multiple Sources of Income Credit Ins
LEADS ME PHP 5,000 - 150,000 2 - 6 80% - 100% 0% - 20% Business Women, Men, Have business Credit Ins

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 0% 31.7% - 57.5% 31.7% N/A
Income Generation Loan 0% 31.2% - 31.7% 31.2% - 31.7% N/A
Jeevandhara 0% 28.2% 28.2% N/A
Nirmal 0% 28.2% 28.2% N/A
*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 17.0% annual, Flat 0 Fees 0 Ins None N/A 31.7% - 57.5% 31.7% 54
Income Generation Loan 17.0% annual, Flat 0 Fees 0 Ins None N/A 31.2% - 31.7% 31.2% - 31.7% 54
Jeevandhara 15.0% annual, Flat 0 Fees 0 Ins None N/A 28.2% 28.2% 53
Nirmal 15.0% annual, Flat 0 Fees 0 Ins None N/A 28.2% 28.2% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
BUGANA 33.0% annual, Flat 1 Fee 1 Ins None 500.00 upfront 66.8% - 71.4% 70.6% - 75.4% 46
LEADS ME 36.0% annual, Flat 1 Fee 1 Ins None N/A 70.8% - 90.9% 81.8% - 149.9% 40

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 0% 31.7% - 57.5% 31.7% N/A
Income Generation Loan 0% 31.2% - 31.7% 31.2% - 31.7% N/A
Jeevandhara 0% 28.2% 28.2% N/A
Nirmal 0% 28.2% 28.2% N/A
*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 17.0% annual, Flat 0 Fees 0 Ins Ins None N/A 31.7% - 57.5% 31.7% 54
Income Generation Loan 17.0% annual, Flat 0 Fees 0 Ins Ins None N/A 31.2% - 31.7% 31.2% - 31.7% 54
Jeevandhara 15.0% annual, Flat 0 Fees 0 Ins Ins None N/A 28.2% 28.2% 53
Nirmal 15.0% annual, Flat 0 Fees 0 Ins Ins None N/A 28.2% 28.2% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
BUGANA 33.0% annual, Flat 1 Fee 1 Ins Ins None 500.00 upfront 66.8% - 71.4% 70.6% - 75.4% 46
LEADS ME 36.0% annual, Flat 1 Fee 1 Ins Ins None N/A 70.8% - 90.9% 81.8% - 149.9% 40
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeAnyBusinessOtherLoan PurposeESAFInstitutionIN-025-V02-P01IN-025-V02-P02IN-025-V02-P03IN-025-V02-P04ProductINCountry2010YearRange Number2Institution Data Version05,00010,00015,00020,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 100,00079,00052,00026,0002,900Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeAnyBusinessLoan PurposeValientInstitutionPH-047-V01-P01PH-047-V01-P02ProductPHCountry2011YearRange Number1Institution Data Version050,000100,000150,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1009010Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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