2. Saija
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  2. KRB
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

Saija Finance Pvt. Ltd. Uma Complex, Fraser Road3rd FloorPatna, BIHAR800001
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Kumanwuman Rural Bank Limited Head OfficeKumawuKumasi, AshantiP.O. Box 33
Data approved: 2013-03-05
Data version: 2
Age of data: 133 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions active0
# Branches4

Total Portfolio (nat'l)INR 47,310,970
Total Portfolio (USD)USD 1,051,354.89
Active clients with loans9,175
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliations

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://[email protected]
Year established1982
Head of InstitutionC.K Ablerdu
Regions activeAshanti Region
# Branches9

Total Portfolio (nat'l)GHS 12,511,356
Total Portfolio (USD)USD 6,350,942.13
Active clients with loans4,013
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB Apex, GHAMFIN
FundersSPEED Ghana, MiDA, MASLOC

Loan Products » Summary

Business
2,315 Borrowers
USD 338,940 Portfolio
Active Product
Household
6,860 Borrowers
USD 712,415 Portfolio
Active Product

Loan Products » Summary

Commercial
1,412 Borrowers
USD 2,465,610.66 Portfolio
Active Product
Salary
1,756 Borrowers
USD 3,312,781.73 Portfolio
Active Product
Susu
845 Borrowers
USD 572,549.75 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 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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Commercial Loan GHS 500 - 90,000 6 - 18 20% - 40% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Other Training
Salary Loan GHS 200 - 6,000 6 - 18 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Susu Loan GHS 50 - 20,000 3 - 12 60% - 80% 40% - 60% Business, Housing, Consumer, Education, Other Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. Credit Educ, Group Mtgs, Credit Ins, Other Training

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 0% 46.8% - 52.7% 49.3% - 58.3% N/A
Saija Mahila Rin - Household JLG 0% 38% 41.4% N/A
*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 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14

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 0% 46.8% - 52.7% 49.3% - 58.3% N/A
Saija Mahila Rin - Household JLG 0% 38% 41.4% N/A
*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 18.0% annual, Flat 2 Fees 0 Ins 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 Ins None N/A 38% 41.4% 36

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14
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