ESAF Microfinance & Investments (P) LTD - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 146 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: 144 months

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Institution

Smallholder Irrigation Schemes Development Organization (SISDO) NairobiKenyaPO Box 76622

Data approved: 2010-09-14

Data version: 1

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.emfil.org/
Year established	1996
Head of Institution	K. Paul Thomas
Regions active	Chhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches	151

Total Portfolio (nat'l)	INR 2,301,636,906
Total Portfolio (USD)	USD 43,427,111.43
Active clients with loans	352,627
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.sisdo.org/
Year established	1991
Head of Institution	James N. Mwai
Regions active	0
# Branches	16

Total Portfolio (nat'l)	KES 241,356,768
Total Portfolio (USD)	USD 2,914,936.81
Active clients with loans	9,804
Approximate % female clients	40% - 60%
Approximate % urban clients	20% - 40%
Network affiliations
Funders

Loan Products » Summary

34,589 Borrowers

USD 2,048,910.59 Portfolio

IGL

272,854 Borrowers

USD 26,462,628.72 Portfolio

Jeevandhara

1,612 Borrowers

USD 109,380.39 Portfolio

Nirmal

1,106 Borrowers

USD 141,045.49 Portfolio

IGL 2

44,043 Borrowers

USD 14,738,249.03 Portfolio

Loan Products » Summary

Asset

173 Borrowers

USD 34,668.82 Portfolio

Daraja

681 Borrowers

USD 557,055.03 Portfolio

Farm Input

885 Borrowers

USD 151,236.33 Portfolio

Inua

7,139 Borrowers

USD 1,596,996.61 Portfolio

School Fees

202 Borrowers

USD 20,875.19 Portfolio

Zero Grazing

2,156 Borrowers

USD 444,858.02 Portfolio

Individual

32 Borrowers

USD 83,607.56 Portfolio

Note: MFTransparency presents full data for s with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Asset Financing Loan	KES 20,000 - 50,000	3 - 12	40% - 60%	40% - 60%	Business, Housing	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Daraja Loan	KES 50,000 - 100,000	3 - 12	40% - 60%	0% - 20%	Business, Only working capital	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional
Farm Inputs Loan	KES 5,000 - 50,000	3 - 12	40% - 60%	0% - 20%	Business	Women, Men, Must be a farmer	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Inua Loan	KES 5,000 - 50,000	3 - 12	40% - 60%	20% - 40%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health insurance - optional
School Fees Loan	KES 3,000 - 50,000	3 - 12	60% - 80%	40% - 60%	Education	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Zero Grazing Loan	KES 10,000 - 50,000	3 - 18	40% - 60%	20% - 40%	Agriculture, Improvement to shed, purchase of cow, chaff-cutter	Women, Men, Farmers only	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional

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

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
General Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Income Generation Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Jeevandhara	22.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	23.8% - 25.5%	24.1% - 25.8%	89
Nirmal	22.0%-26.0% annual, Decl Bal	1 Fee	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	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Financing Loan	15.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
Daraja Loan	18.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 250.00 ongoing	#N/A	#N/A	N/A
Farm Inputs Loan	18.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
Inua Loan	18.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
School Fees Loan	12.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 50.00 ongoing	#N/A	#N/A	N/A
Zero Grazing Loan	18.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A

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

*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	26.0% annual, Decl Bal	1 Fee	0 Ins 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 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 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 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 Ins	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Asset Financing Loan	15.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
Daraja Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 250.00 ongoing	#N/A	#N/A	N/A
Farm Inputs Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
Inua Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A
School Fees Loan	12.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 50.00 ongoing	#N/A	#N/A	N/A
Zero Grazing Loan	18.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront 100.00 ongoing	#N/A	#N/A	N/A

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Key Statistics
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# 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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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