Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 79 months

Institution

CashPhase Ghana Limited 1st Floor, Barclays Bank WingMadina Central Market RoadMadina, Greater AccraP.O. Box CT4185
Data approved: 2013-04-02
Data version: 2
Age of data: 79 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK. Paul Thomas
Regions activeChhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches151

Total Portfolio (nat'l)INR 2,301,636,906
Total Portfolio (USD)USD 43,427,111.43
Active clients with loans352,627
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMr Sam Baimbill-Johnson
Regions activeGreater Accra Region
# Branches1

Total Portfolio (nat'l)GHS 546,670
Total Portfolio (USD)USD 277,497.46
Active clients with loans83
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

GL
34,589 Borrowers
USD 2,048,910.59 Portfolio
Active Product
IGL
272,854 Borrowers
USD 26,462,628.72 Portfolio
Active Product
1,612 Borrowers
USD 109,380.39 Portfolio
Active Product
1,106 Borrowers
USD 141,045.49 Portfolio
Active Product
44,043 Borrowers
USD 14,738,249.03 Portfolio
Active Product

Loan Products » Summary

77 Borrowers
USD 116,751.27 Portfolio
Active Product
4 Borrowers
USD 18,781.73 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
Business Loan GHS 1,000 - 10,000 1 - 12 0% - 20% 0% - 20% Business, Other Women, Men, Have business, Salaried worker

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

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 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 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Jeevandhara 22.0% annual, Decl Bal 1 Fee 0 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 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 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
Business Loan 54.00%-96.00% annual, Flat 1 Fee 0 None N/A 116.1% - 146.2% 116.1% - 146.2% 39

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

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
Business Loan 54.00%-96.00% annual, Flat 1 Fee 0 None N/A 116.1% - 146.2% 116.1% - 146.2% 39
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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