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

Please note that the information you are viewing is 132 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 165 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: 132 months

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Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz

Data approved: 2010-10-28

Data version: 1

Age of data: 165 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	Other
Is this institution regulated?	Yes
Website address	http://www.losandesprocredit.com.bo/
Year established	1995
Head of Institution	Pablo Alberto González López
Regions active
# Branches	62

Total Portfolio (nat'l)	BOB 2,650,421,275
Total Portfolio (USD)	USD 392,655,003.70
Active clients with loans	83,776
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	ASOFIN, ASOBAN
Funders	ProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena

Loan Products » Summary

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 » Summary

valor (BOB)

1,104 Borrowers

USD 1,258,593.78 Portfolio

Active Product

Valor ME

374 Borrowers

USD 846,867 Portfolio

Active Product

Emp. ME(USD)

21,780 Borrowers

USD 111,530,358 Portfolio

Active Product

Emp. ME(BOB)

44,495 Borrowers

USD 99,292,463.59 Portfolio

Active Product

Asa. ME(USD)

443 Borrowers

USD 645,031.22 Portfolio

Active Product

Asa. MN(BOB)

1,031 Borrowers

USD 1,260,387.59 Portfolio

Active Product

Viv. ME(USD)

4,573 Borrowers

USD 19,967,105.90 Portfolio

Active Product

Viv. MN(BOB)

10,574 Borrowers

USD 22,686,193.02 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Crédito con garantía de títulos valor	BOB 250 - 135,000	0.9 - 60	40% - 60%	80% - 100%	Any Purpose	Women, Men	Credit Ins
Crédito con garantía de títulos valor ME	USD 100 - 125,000	1.3 - 45.3	40% - 60%	80% - 100%	Any Purpose	Women, Men	Credit Ins
Crédito Empresarial ME	USD 100 - 1,050,000	4.9 - 60.9	40% - 60%	0% - 20%	Any Purpose	Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante	Credit Ins, Business Training
Crédito Empresarial MN	BOB 480 - 3,485,000	1 - 303.4	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el	Credit Ins, Business Training
Creditos para Asalariados ME	USD 200 - 15,000	4 - 121	40% - 60%	80% - 100%	Any Purpose	Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal	Credit Ins
Creditos para Asalariados MN	BOB 601 - 70,000	1.4 - 61.4	40% - 60%	80% - 100%	Any Purpose	Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal	Credit Ins
Creditos para Vivienda ME	USD 242 - 20,000	2 - 143	40% - 60%	80% - 100%	Housing, Para Compra y construccion de vivienda, Para compra de terreno	Women, Men, Have business, Salaried worker	Credit Ins
Creditos para Vivienda MN	BOB 800 - 140,000	4 - 145	40% - 60%	80% - 100%	Housing, Compra o construción de Vivienda, Compra de Terreno	Women, Men, Have business	Credit Ins

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	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito con garantía de títulos valor	4.3%-25.0% annual, Decl Bal	None	N/A	7.2% - 15.1%	7.2% - 15.1%	42
Crédito con garantía de títulos valor ME	5.0%-22.0% annual, Decl Bal	15.00% Principal	N/A	7.1% - 14.8%	7.9% - 14.7%	53
Crédito Empresarial ME	5.0%-36.0% annual, Decl Bal	15.00% Principal	N/A	16.2% - 31.1%	16.3% - 31.2%	22
Crédito Empresarial MN	8.5%-38.6% annual, Decl Bal	None	N/A	15.3% - 27.5%	15.3% - 27.5%	41
Creditos para Asalariados ME	6.4%-33.0% annual, Decl Bal	15.00% Principal	N/A	7.5% - 22.4%	7.6% - 22.6%	48
Creditos para Asalariados MN	6.6%-36.0% annual, Decl Bal	None	N/A	16.2% - 28.4%	16.2% - 28.4%	28
Creditos para Vivienda ME	7.4%-36.0% annual, Decl Bal	15.00% Principal	N/A	15.8% - 23.6%	16% - 24%	39
Creditos para Vivienda MN	7.0%-36.0% annual, Decl Bal	None	N/A	17.2% - 30.5%	17.2% - 30.5%	31

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	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito con garantía de títulos valor	4.3%-25.0% annual, Decl Bal	0 Ins Ins	None	N/A	7.2% - 15.1%	7.2% - 15.1%	42
Crédito con garantía de títulos valor ME	5.0%-22.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	7.1% - 14.8%	7.9% - 14.7%	53
Crédito Empresarial ME	5.0%-36.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	16.2% - 31.1%	16.3% - 31.2%	22
Crédito Empresarial MN	8.5%-38.6% annual, Decl Bal	0 Ins Ins	None	N/A	15.3% - 27.5%	15.3% - 27.5%	41
Creditos para Asalariados ME	6.4%-33.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	7.5% - 22.4%	7.6% - 22.6%	48
Creditos para Asalariados MN	6.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.2% - 28.4%	16.2% - 28.4%	28
Creditos para Vivienda ME	7.4%-36.0% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	15.8% - 23.6%	16% - 24%	39
Creditos para Vivienda MN	7.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	17.2% - 30.5%	17.2% - 30.5%	31

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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

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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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