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

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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

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233

Data approved: 2011-12-07

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	Private 'For-Profit'
Is this institution regulated?	Yes
Website address	http://www.opportunityghana.com/
Year established	2004
Head of Institution	Cosmus Juma Kowuoche
Regions active	0
# Branches	20

Total Portfolio (nat'l)	GHS 24,784,265
Total Portfolio (USD)	USD 16,522,843.33
Active clients with loans	41,836
Approximate % female clients	80% - 100%
Approximate % urban clients	60% - 80%
Network affiliations	Opportunity International USA
Funders	Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

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

Agriculture

536 Borrowers

USD 79,274 Portfolio

Active Product

Family

59 Borrowers

USD 40,122 Portfolio

Active Product

Group

37,299 Borrowers

USD 11,763,077 Portfolio

Active Product

Individual

2,711 Borrowers

USD 3,000,532 Portfolio

Active Product

ISME

74 Borrowers

USD 337,021 Portfolio

Active Product

Susu

791 Borrowers

USD 685,319 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
Agriculture Loan	GHS 2,422 - 7,063	4 - 8	20% - 40%	0% - 20%	Business, Farming	Women, Men, Specific age group, Farmers	Credit Educ
Salary Loan	GHS 200 - 7,808	6 - 24	20% - 40%	0% - 20%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Group Loan	GHS 145 - 4,000	3 - 12	80% - 100%	60% - 80%	Business	Women, Men, Have business	Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan	GHS 500 - 30,300	2 - 24	40% - 60%	0% - 20%	Business	Women, Men, Have business	Credit Ins
ISME / Edufinance	GHS 2,000 - 101,000	10 - 37	20% - 40%	80% - 100%	Business, Education	Women, Men, Have business	Tech Asst Visits, Business Training
Susu Loan	GHS 151 - 10,700	3 - 12	40% - 60%	0% - 20%	Business	Women, Men	Credit Educ, Credit Ins, Tech Asst Visits, Business Training

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
Agriculture Loan	36.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront	44.3% - 44.4%	52% - 52.1%	69
Salary Loan	0.0%-42.0% annual, Decl Bal	2 Fees	0 Ins	None	10.0% upfront	45.5% - 49.1%	54.9% - 61.5%	0
Group Loan	41.0% annual, Flat	2 Fees	1 Ins	None	15.0% upfront	56.7% - 122%	76.9% - 161.4%	32
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	73.7% - 77.5%	88.7% - 97.2%	45
ISME / Edufinance	33.2%-51.0% annual, Decl Bal	2 Fees	1 Ins	None	N/A	44.6% - 67.3%	46.3% - 69.4%	57
Susu Loan	33.2%-39.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	63.6% - 71.7%	77.8% - 89.1%	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

*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
Agriculture Loan	36.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront	44.3% - 44.4%	52% - 52.1%	69
Salary Loan	0.0%-42.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	10.0% upfront	45.5% - 49.1%	54.9% - 61.5%	0
Group Loan	41.0% annual, Flat	2 Fees	1 Ins Ins	None	15.0% upfront	56.7% - 122%	76.9% - 161.4%	32
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	73.7% - 77.5%	88.7% - 97.2%	45
ISME / Edufinance	33.2%-51.0% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	44.6% - 67.3%	46.3% - 69.4%	57
Susu Loan	33.2%-39.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	63.6% - 71.7%	77.8% - 89.1%	39

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Key Statistics
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# 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

Total Borrowers of Samples

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