2. Yehu
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Janalakshmi
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yehu Microfinance Trust MombasaKenyaPO Box 82120
Data approved: 2010-09-15
Data version: 1
Age of data: -   months 
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Institution

Janalakshmi Financial Services (P) Ltd. Rajashree Saroja Plaza, 34/1, Andree Road,ShanthinagarBangalore, Karnataka560027
Data approved: 2013-05-03
Data version: 2
Age of data: 133 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://yehu.org/
Year established1999
Head of InstitutionAdet N. Kachi
Regions active0
# Branches6

Total Portfolio (nat'l)KES 65,000,000
Total Portfolio (USD)USD 785,024.15
Active clients with loans6,000
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions activeGujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi
# Branches66

Total Portfolio (nat'l)INR 6,311,118,034
Total Portfolio (USD)USD 119,077,698.80
Active clients with loans506,075
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, AKMI

Loan Products » Summary

Meat
115 Borrowers
USD 17,252.42 Portfolio
Active Product
Poultry
78 Borrowers
USD 15,977.05 Portfolio
Active Product
Business
3,947 Borrowers
USD 581,663.09 Portfolio
Active Product
Top-Up
28 Borrowers
USD 7,371.98 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 » Summary

Education
161 Borrowers
USD 37,515.45 Portfolio
Active Product
Small Group
505,914 Borrowers
USD 119,040,183.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan - Meat Goat KES 6,000 - 40,000 3 - 24 80% - 100% 20% - 40% Business Women, Men, Specific age group, Member of Yehu, Must have a regularity in savings and minimum savings amount Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Agriculture Loan - Poultry KES 10,000 - 60,000 3 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group, Member of Yehu, Must have a regularity in savings and minimum savings amount Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training
Business Loan KES 10,000 - 300,000 3 - 24 80% - 100% 40% - 60% Business Women, Men, Have business, Specific age group, Must be a registered member of Yehu., Must have shown regularity in savings and a minimum savings amount. Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Leadership training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 20,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs. Credit Educ
Small Group Loan INR 5,000 - 50,000 12 - 24 100% 100% Business, Housing, Consumer, Education, Other Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan - Meat Goat 20.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A
Agriculture Loan - Poultry 20.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A
Business Loan 20.0% annual, Flat 0 Fees 0 Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*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
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan - Meat Goat 20.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A
Agriculture Loan - Poultry 20.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A
Business Loan 20.0% annual, Flat 0 Fees 0 Ins Ins None 20.0% upfront 50.00 ongoing #N/A #N/A N/A

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
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*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
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83
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