| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.saija.in/ |
| Year established | 2007 |
| Head of Institution | S. R. Sinha |
| Regions active | 0 |
| # Branches | 4 |
| Total Portfolio (nat'l) | INR 47,310,970 |
| Total Portfolio (USD) | USD 1,051,354.89 |
| Active clients with loans | 9,175 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Saija Karobar Rin - Business JLG | INR 10,000 - 20,000 | 6 - 7 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Saija Mahila Rin - Household JLG | INR 8,000 - 8,000 | 12 | 80% - 100% | 80% - 100% | Business, Housing, Education | Women | Group Mtgs, Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Saija Karobar Rin - Business JLG | 0% | 46.8% - 52.7% | 49.3% - 58.3% | N/A | ||||||||||
| Saija Mahila Rin - Household JLG | 0% | 38% | 41.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Saija Karobar Rin - Business JLG | 18.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 46.8% - 52.7% | 49.3% - 58.3% | 34 | ||||||||
| Saija Mahila Rin - Household JLG | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 38% | 41.4% | 36 |
| Outstanding portfolio (GHS) | GHS 58,000 |
| Portfolio (USD) | USD 29,441.62 |
| Active Clients with Loans | 44 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
