| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.saija.in/ |
| Year established | 2007 |
| Head of Institution | S. R. Sinha |
| Regions active | Bihar |
| # Branches | 7 |
| Total Portfolio (nat'l) | INR 248,186,765.50 |
| Total Portfolio (USD) | USD 4,682,769.16 |
| Active clients with loans | 24,779 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.inmaa.ma |
| Year established | 1999 |
| Head of Institution | Hammou MOUSTAIN |
| Regions active | Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt |
| # Branches | 22 |
| Total Portfolio (nat'l) | MAD 18,210,886 |
| Total Portfolio (USD) | USD 2,142,457.18 |
| Active clients with loans | 5,347 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Sanabel, FNAM, RMS |
| Funders | JAIDA, Crédit Agricole du Maroc, Whole Planet |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | MAD 500 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Intilaqa | MAD 1,000 - 10,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Anamaa | MAD 5,000 - 20,000 | 4 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
| 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 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 44% - 45.7% | 45.2% - 51.2% | 50 | ||||||||
| Intilaqa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.9% - 43.2% | 43.4% - 49.4% | 53 | ||||||||
| Anamaa | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.7% - 43.9% | 43% - 45.2% | 54 |
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