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 123 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

Crédito con Educación Rural Calle Demetrio Canelas Nro. 27 entre calles 16 y 17 de Obrajes, MurilloLa Paz, Bolivia13748

Data approved: 2013-08-15

Data version: 3

Age of data: 123 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.crecer.org.bo/
Year established	1999
Head of Institution	José Auad Lema
Regions active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches	9

Total Portfolio (nat'l)	BOB 910,004,033.70
Total Portfolio (USD)	USD 134,815,412.40
Active clients with loans	167,043
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	FINRURAL, FOROLAC, PROCOSI
Funders

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

Comunal

112,789 Borrowers

USD 50,605,697.63 Portfolio

Active Product

Indiv USD

2,615 Borrowers

USD 7,958,924 Portfolio

Active Product

Indiv BOB

18,879 Borrowers

USD 47,475,532.15 Portfolio

Active Product

Agro BOB

4,627 Borrowers

USD 14,604,213.93 Portfolio

Active Product

Agro USD

756 Borrowers

USD 3,540,515 Portfolio

Active Product

Consumo BOB

809 Borrowers

USD 936,721.93 Portfolio

Active Product

Vivienda BOB

419 Borrowers

USD 1,352,590.37 Portfolio

Active Product

Oportuno BOB

25,920 Borrowers

USD 7,906,821.93 Portfolio

Active Product

Personal BOB

57 Borrowers

USD 96,389.78 Portfolio

Active Product

Consumo USD

29 Borrowers

USD 54,848 Portfolio

Low Volume Product

Vivienda USD

4 Borrowers

USD 15,215 Portfolio

Low Volume Product

Salud BOB

36 Borrowers

USD 19,252.15 Portfolio

Low Volume Product

Personal USD

27 Borrowers

USD 59,331 Portfolio

Low Volume Product

Note: MFTransparency presents full data for active products 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
Banca Comunal	BOB 100 - 15,000	5.3 - 11.3	80% - 100%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Servicios de Salud a través de alianzas estratégicas
Credito Individual - USD	USD 100 - 10,000	13 - 80.53	60% - 80%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training
Credito Individual - BOB	BOB 700 - 70,000	3.03 - 87.8	80% - 100%	40% - 60%	Business, Housing, Education, Other	Women, Men, Have business	Credit Educ, Credit Ins, Business Training, Other Training, Capacitación en temas de salud
Crédito Agropecuario - BOB	BOB 700 - 70,000	4.6 - 83.13	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito Agropecuario - USD	USD 100 - 10,000	10.7 - 71.3	20% - 40%	0% - 20%	Business, Agriculture, Other	Women, Men, Have business	Credit Educ, Credit Ins
Crédito para Consumo - BOB	BOB 700 - 70,000	3.4 - 61.2	0% - 20%	40% - 60%	Consumer, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito para Vivienda - BOB	BOB 700 - 70,000	5 - 49.7	40% - 60%	40% - 60%	Housing, Other	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Crédito Oportuno	BOB 500 - 3,000	0.7 - 16.9	80% - 100%	40% - 60%	Any Purpose	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Crédito al Personal - BOB	BOB 700 - 35,000	18.6 - 37.2	40% - 60%	40% - 60%	Other	Women, Men, Salaried worker	Credit Educ, 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
Banca Comunal	34.0%-36.0% annual, Decl Bal	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	None	N/A	0%	0%	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	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Banca Comunal	34.0%-36.0% annual, Decl Bal	0 Ins Ins	None	10.0% upfront 20.00% ongoing	36%	50.6% - 51.4%	66
Credito Individual - USD	16.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	16.3% - 22.4%	16.3% - 22.4%	82
Credito Individual - BOB	12.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	17.4% - 23.7%	17.4% - 23.7%	62
Crédito Agropecuario - BOB	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.4% - 24.6%	18.4% - 24.6%	87
Crédito Agropecuario - USD	18.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	19.1% - 23.4%	19.1% - 23.4%	86
Crédito para Consumo - BOB	19.0%-30.0% annual, Decl Bal	0 Ins Ins	None	N/A	20.4% - 27.5%	20.4% - 27.5%	75
Crédito para Vivienda - BOB	19.0% annual, Decl Bal	0 Ins Ins	None	N/A	18.8% - 19.4%	18.8% - 19.4%	99
Crédito Oportuno	32.1% annual, Decl Bal	0 Ins Ins	None	N/A	32.6% - 32.7%	32.6% - 32.7%	98
Crédito al Personal - BOB	12.0% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A

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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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Total Borrrowers of Samples


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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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