2. ID-Ghana
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  2. Saija
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Initiative Development-Ghana P.O. Box GP 19382Stephens Close, Dansoman SNNIT Flats, Opposite Block 15Accra, AccraGP
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Saija Finance Pvt. Ltd. Uma Complex, Fraser Road3rd FloorPatna, BIHAR800001
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.idghana.org/
Year established1998
Head of InstitutionStephen Mawuli Kwesi Dugbazah
Regions active0
# Branches5

Total Portfolio (nat'l)GHS 799,453
Total Portfolio (USD)USD 532,968.67
Active clients with loans4,559
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ASSFIN, AMT
FundersEntrepreneurs du monde, Air liquide, Technip, French Embassy

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions active0
# Branches4

Total Portfolio (nat'l)INR 47,310,970
Total Portfolio (USD)USD 1,051,354.89
Active clients with loans9,175
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliations

Loan Products » Summary

Front Desk
281 Borrowers
USD 40,579 Portfolio
Active Product
Kick Start
108 Borrowers
USD 2,135 Portfolio
Active Product
Onipa Nua
4,258 Borrowers
USD 544,053 Portfolio
Active Product

Loan Products » Summary

Business
2,315 Borrowers
USD 338,940 Portfolio
Active Product
Household
6,860 Borrowers
USD 712,415 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Front Desk GHS 100 - 3,000 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Business Training, Other Training
Kick Start GHS 20 - 100 6 80% - 100% 80% - 100% Business Women Credit Educ, Group Mtgs, Business Training, Other Training
Onipa Nua (Each other's keepers) GHS 100 - 2,500 3 - 9 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training, Other Training

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Front Desk 36.0% annual, Flat 1 Fee 0 Ins None N/A 68.4% - 76.5% 68.4% - 76.5% 48
Kick Start 0.0% annual, Flat 0 Fees 0 Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins None N/A 65.6% - 66.3% 65.6% - 66.3% 54

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
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
*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
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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Front Desk 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.4% - 76.5% 68.4% - 76.5% 48
Kick Start 0.0% annual, Flat 0 Fees 0 Ins Ins None N/A 0% 0% 100
Onipa Nua (Each other's keepers) 36.0% annual, Flat 1 Fee 0 Ins Ins None N/A 65.6% - 66.3% 65.6% - 66.3% 54

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
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
*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
Saija Karobar Rin - Business JLG 18.0% annual, Flat 2 Fees 0 Ins 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 Ins None N/A 38% 41.4% 36
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Key Statistics
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