2. COOJAD
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  2. ESAF
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Institution

COOPERATIVE DE LA JEUNEUSE POUR L AUTO D'EMPLOI ET DEVELOPEMENT P.O.Box 3739KIGALI250
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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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 Details

Institution TypeCooperative
Is this institution regulated?Yes
Website addressN/A
Year established2007
Head of InstitutionJean Louis Musoni
Regions active0
# Branches0

Total Portfolio (nat'l)RWF 1,022,162,074
Total Portfolio (USD)USD 1,732,478.09
Active clients with loans1,049
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR
FundersYouth Ministry, National Youth Council, Districts

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

Loan Products » Summary

Agriculture et Elevage Loan
22 Borrowers
USD 30,953 Portfolio
Active Product
Autres Loan
243 Borrowers
USD 172,372 Portfolio
Active Product
Construction Loan
35 Borrowers
USD 104,319 Portfolio
Active Product
Trade Loan
37 Borrowers
USD 203,845 Portfolio
Active Product
Transport Loan
45 Borrowers
USD 79,796 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture et Elevage Loan 0 0 20% - 40% 0% - 20%
Autres Loan RWF 50,000 - 3,000,000 3 - 24 0% - 20% 40% - 60%
Construction Loan 0 0 0% - 20% 40% - 60%
Trade Loan 0 0 0% - 20% 60% - 80%
Transport Loan 0 0 0% - 20% 40% - 60%

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture et Elevage Loan 0.00% annual, 0 0 Fees 0 Ins 10.4% - 66.4% 10.4% - 66.4%
Autres Loan 16.00%-18.00% annual, Decl Bal 3 Fees 1 Ins N/A 12.5% - 52.7% 12.5% - 52.7% 60
Construction Loan 0.00% annual, 0 0 Fees 0 Ins 20.7% - 51.1% 35.8% - 68.2%
Trade Loan 0.00% annual, 0 0 Fees 0 Ins 19.8% - 24.8% 34.3% - 44.1%
Transport Loan 0.00% annual, 0 0 Fees 0 Ins 19.8% - 45.6% 33.2% - 65.5%

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
Agriculture et Elevage Loan 0.00% annual, 0 0 Fees 0 Ins Ins 10.4% - 66.4% 10.4% - 66.4%
Autres Loan 16.00%-18.00% annual, Decl Bal 3 Fees 1 Ins Ins N/A 12.5% - 52.7% 12.5% - 52.7% 60
Construction Loan 0.00% annual, 0 0 Fees 0 Ins Ins 20.7% - 51.1% 35.8% - 68.2%
Trade Loan 0.00% annual, 0 0 Fees 0 Ins Ins 19.8% - 24.8% 34.3% - 44.1%
Transport Loan 0.00% annual, 0 0 Fees 0 Ins Ins 19.8% - 45.6% 33.2% - 65.5%

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
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoOpInstitution TypeBusinessEducationHousingLoan PurposeCOOJADInstitutionRW-005-V01-P01RW-005-V01-P02RW-005-V01-P03RW-005-V01-P04RW-005-V01-P05ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 60303Number 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.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
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Key Statistics
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# 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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