2. Yehu
Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 142 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (KES)KES 4,824,912.35
Portfolio (USD)USD 58,271.89
Active Clients with Loans302
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Desinged to cover the costs of school fees and related education epenses (ex. Textbooks). This loan should not be applied to clients in arreas.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherLeadership Training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCoast

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 20,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00080%
KES 50,000-150,00020%
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Elimu Loan samples
Sample 1Sample 2Sample 3
Loan AmountKES 20,000KES 45,000KES 97,300
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-022013-05-212013-03-11
Loan Term (Months)12.0 months12.0 months9.0 months
Grace Period (Months)0.5 months0.5 months0.5 months
Total Cost of CreditKES 4,900KES 10,575KES 17,757.34
True Price by Comp     
Interest price component37.8%37.8%37.0%
Fee Component4.1%2.1%2.6%
Insurance Component3.2%3.1%4.0%
Tax Component0.0%0.0%0.0%
Deposit Component21.3%16.6%15.1%
Full APR (int fee ins tax dep)66.4%59.6%58.7%
Transparency Index323536
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Elimu Loan Price Graphs


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  2. ESAF
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

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 Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK. Paul Thomas
Regions activeChhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches151

Total Portfolio (nat'l)INR 2,301,636,906
Total Portfolio (USD)USD 43,427,111.43
Active clients with loans352,627
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN

Loan Products » Summary

GL
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 » 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 » 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
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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 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
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Loan Portfolio (USD)
% Products using declining balance
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% Products with one or more insurances
% Products with compulsory deposits
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