| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.saija.in/ |
| Year established | 2007 |
| Head of Institution | S. R. Sinha |
| Regions active | 0 |
| # Branches | 4 |
| Total Portfolio (nat'l) | INR 47,310,970 |
| Total Portfolio (USD) | USD 1,051,354.89 |
| Active clients with loans | 9,175 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Saija Karobar Rin - Business JLG | INR 10,000 - 20,000 | 6 - 7 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Saija Mahila Rin - Household JLG | INR 8,000 - 8,000 | 12 | 80% - 100% | 80% - 100% | Business, Housing, Education | Women | Group Mtgs, Credit Ins |
| 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 | 0% | 46.8% - 52.7% | 49.3% - 58.3% | N/A | ||||||||||
| Saija Mahila Rin - Household JLG | 0% | 38% | 41.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Saija Karobar Rin - Business JLG | 18.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 46.8% - 52.7% | 49.3% - 58.3% | 34 | ||||||||
| Saija Mahila Rin - Household JLG | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 38% | 41.4% | 36 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACB-SA | 4,335 | 1,476,288 | 6 | 136 |
| Comicoka | 827 | 758,435 | 4 | 136 |
| COOJAD | 511 | 823,215 | 6 | 136 |
| COOPEDU | 2,029 | 7,549,835 | 9 | 136 |
| Duterimbere | 6,607 | 4,365,044 | 3 | 136 |
| Goshen | 2,076 | 3,716,008 | 5 | 154 |
| Inkingi | 2,648 | 2,593,366 | 5 | 154 |
| RML | 4,960 | 3,473,781 | 3 | 136 |
| UCU | 3,391 | 1,603,524 | 4 | 136 |
| Urwego | 37,900 | 14,755,000 | 6 | |
| Vision Finance | 14,226 | 3,474,646 | 6 | 154 |
| Wisigara | 2,177 | 904,708 | 3 | 136 |
| Zamuka | 253 | 124,445 | 3 | 136 |
| Zigama CSS | 53,806 | 59,670,753 | 2 | 154 |
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