2. Saija
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
  2. Eshet
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Saija Finance Pvt. Ltd. Uma Complex, 3rd FloorFraser RoadPatna, BahirPO Box 800001
Data approved: 2013-02-08
Data version: 2
Age of data: 132 months
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Institution

Eshet MFI Head OfficeAddis AbabaPO Box 23923
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions activeBihar
# Branches7

Total Portfolio (nat'l)INR 248,186,765.50
Total Portfolio (USD)USD 4,682,769.16
Active clients with loans24,779
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionMerga Bekele
Regions active
# Branches12

Total Portfolio (nat'l)ETB 44,028,216
Total Portfolio (USD)USD 2,392,837.83
Active clients with loans24,199
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN
FundersRUFIP, Oxfam Novib

Loan Products » Summary

Business
3,131 Borrowers
USD 909,726.06 Portfolio
Active Product
Household
21,648 Borrowers
USD 3,773,043.10 Portfolio
Active Product

Loan Products » Summary

Business
1,827 Borrowers
USD 167,498.64 Portfolio
Active Product
Employee
528 Borrowers
USD 143,570.27 Portfolio
Active Product
Agriculture
16,472 Borrowers
USD 2,081,768.91 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Saija Karobar Rin - Business JLG INR 5,000 - 50,000 11.5 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Ins
Saija Mahila Rin - Household JLG INR 5,000 - 50,000 11.5 - 24 80% - 100% 100% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 500 - 7,500 6 - 18 40% - 60% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Employee Loan ETB 500 - 10,000 6 - 18 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Ins
Rural Agricultural Loan ETB 500 - 7,500 6 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, 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
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100
*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
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 18.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 10.00 ongoing 31.2% - 32.3% 35.8% - 37.7% 49
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None N/A 26.4% - 27.5% 28.4% - 29.9% 51
Rural Agricultural Loan 24.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 10.00 ongoing 24.1% 26.6% - 26.8% 89

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
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100
*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
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 18.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 10.00 ongoing 31.2% - 32.3% 35.8% - 37.7% 49
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None N/A 26.4% - 27.5% 28.4% - 29.9% 51
Rural Agricultural Loan 24.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 10.00 ongoing 24.1% 26.6% - 26.8% 89
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