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Institution

ESAF Microfinance & Investments (P) LTD NO. 5A, 5th FLOORPURASAWALKAMChennai, Tamil Nadu600084
Data approved: 2010-10-25
Data version: 2
Age of data: -   months 

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK.PAUL THOMAS
Regions active0
# Branches105

Total Portfolio (nat'l)INR 1,561,228,229
Total Portfolio (USD)USD 34,693,960.64
Active clients with loans220,011
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Loan Products » Summary

GL
37,676 Borrowers
USD 2,251,389.09 Portfolio
Active Product
IGL
211,746 Borrowers
USD 31,891,022.89 Portfolio
Active Product
1,775 Borrowers
USD 131,947.11 Portfolio
Active Product
363 Borrowers
USD 75,367 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 6,000 - 8,000 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Business Training
Income Generation Loan INR 10,000 - 20,000 12 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Business Training
Jeevandhara INR 3,000 - 12,000 12 - 24 80% - 100% 0% - 20% For installing water connection Women, Men Credit Educ, Group Mtgs
Nirmal INR 6,000 - 12,000 12 - 24 80% - 100% 0% - 20% for sanitation Purposes Women, Men Credit Educ, Group Mtgs

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 0% 31.7% - 57.5% 31.7% N/A
Income Generation Loan 0% 31.2% - 31.7% 31.2% - 31.7% N/A
Jeevandhara 0% 28.2% 28.2% N/A
Nirmal 0% 28.2% 28.2% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 17.0% annual, Flat 0 Fees 0 Ins None N/A 31.7% - 57.5% 31.7% 54
Income Generation Loan 17.0% annual, Flat 0 Fees 0 Ins None N/A 31.2% - 31.7% 31.2% - 31.7% 54
Jeevandhara 15.0% annual, Flat 0 Fees 0 Ins None N/A 28.2% 28.2% 53
Nirmal 15.0% annual, Flat 0 Fees 0 Ins None N/A 28.2% 28.2% 53
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AgroCapital21,90016,894,00011114
ANED5,4006,579,000372
Banco FIE231,100569,322,000672
BancoSol215,300861,418,0003072
CIDRE8,500126,578,000872
Coop Fatima6,30044,280,0007114
CRECER166,900134,626,0001372
Diaconia67,00085,734,000272
Ecofuturo59,200226,839,000572
EMPRENDER8,7002,380,0003114
Fassil FFP57,600325,081,000572
FONCRESOL3,9009,573,000372
FONDECO14,20024,274,000372
Fortaleza20,100164,530,0001372
FUBODE29,40024,444,000772
FUNBODEM8,60015,798,000972
IDEPRO10,40040,479,000272
IMPRO2,4002,885,000472
ProCredit84,300257,487,0008114
PRODEM44,90062,529,000472
ProMujer BOL115,20050,753,000372
Sartawi14,60026,842,000872
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Key Statistics
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Loan Portfolio (USD)
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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