- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	158
AJDFI	13,100	884,000	6	158
ARDCI	44,600	9,403,000	1	158
ASA Philippines	333,400	29,282,000	1	158
ASHI	35,400	5,231,000	6	158
ASKI	60,000	15,247,000	4	158
Bangko Kabayan	8,900	2,373,000	2	158
BSEI	600	73,000	2	158
CBI	8,100	2,010,000	5	158
CCT	70,300	9,504,000	4	158
CEV	35,400	5,111,000	4	158
DSPI	59,300	3,676,000	3	158
ECLOF	5,400	1,836,000	4	158
FCB	12,000	2,392,000	2	158
FMB	2,700	710,000	2	158
GM Bank	23,500	1,553,000	3	158
HSPFI	19,100	1,899,000	2	158
JVOFI	1,300	281,000	1	158
Katipunan Bank	42,100	5,325,000	2	158
KDCI	20,500	2,095,000	3	158
KGI	32,300	3,421,000	4	158
KMBI	245,000	15,098,000	1	158
LTMPC	37,400	8,935,000	3	158
Mallig Plains	6,500	641,000	2	158
MILAMDEC	29,800	3,278,000	2	158
MWIMPC	11,800	1,740,000	4	157
NWTF	105,500	12,698,000	5	158
OFMPC	4,400	964,000	1	158
PBC	50,700	10,434,000	4	158
PCSD	700	167,000	1	158
PMPC	23,500	5,565,000	8	158
RB Angeles	900	1,502,000	2	158
RB Labason	500	289,000	1	158
RBLI	5,200	1,026,000	2	158
RBMI	11,900	1,750,000	2	158
RMB	100	173,000	1	158
RSPI	39,600	2,834,000	4	158
SAFRAGEMC	1,100	229,000	1	158
Salve	10,900	1,191,000	3	158
SEDP	27,000	3,914,000	3	158
TSKI	212,900	25,187,000	2	158
TSPI	264,500	31,290,000	7	158
Valient	1,700	672,000	2	158

Please note that the information you are viewing is 139 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: 139 months

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Product

Jeevandhara Product 3 of 5 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (INR)	INR 5,797,160.55
Portfolio (USD)	USD 109,380.39
Active Clients with Loans	1,612
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

The water loan is to meet the the cost of obtaining and installing municipal water connection.

Loan Purpose

Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other	For installing water connection
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits	x
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR	x
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	5
# Regions for this product	3
Regions Active	Chhattisgarh, Madhya Pradesh, Maharashtra

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 3,000
Maximum loan size	12,000

Distribution at Disbursement (Est.)

Loans less than INR 5,000	90%
INR 5,000-15,000	10%
INR 15,000-25,000	0
INR 25,000-35,000	0
INR 35,000-45,000	0
Greater than INR 45,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	22.00%
Highest quoted nominal interest	22.00%
Reason(s) why interest rate varies	Loan Purpose
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	12.4%
All or some fees taxed	All

Full Pricing Data

Jeevandhara samples

	Sample 1	Sample 2	Sample 3
Loan Amount	INR 5,000	INR 5,000	INR 6,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-03-19	2013-03-19	2013-02-26
Loan Term (Months)	12.0 months	12.0 months	12.0 months
Grace Period (Months)	-0.1 months	-0.1 months	0.6 months
Total Cost of Credit	INR 556.18	INR 556.18	INR 856.42
True Price by Comp
Interest price component	21.5%	21.5%	23.6%
Fee Component	2.3%	2.3%	1.9%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.3%	0.3%	0.3%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	24.1%	24.1%	25.8%
MFIN MFI Earning (Annualised)	23.8%	23.8%	25.5%
MFIN Cost to Borrower (Annualised)	24.1%	24.1%	25.8%
Transparency Index	91	91	85
MFIN Transparency Index	100	100	93

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

* The APR stated here is an MFTransparency term, definition and formula

Jeevandhara Price Graphs

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Jeevandhara samples

Jeevandhara Price Graphs

Total Borrowers of Samples

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