AfricaWorks - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

AfricaWorks Fialho de Almeida 69Maputo

Data approved: 2013-05-23

Data version: 2

Age of data: - months

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Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084

Data approved: 2013-01-10

Data version: 3

Age of data: 133 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	N/A
Year established	2008
Head of Institution	Claudien Nsengimana
Regions active	Maputo Capital, Maputo Province, Inhambane, Gaza
# Branches	7

Total Portfolio (nat'l)	MZN 51,898,022.01
Total Portfolio (USD)	USD 1,707,171.78
Active clients with loans	4,901
Approximate % female clients	60% - 80%
Approximate % urban clients	60% - 80%
Network affiliations	AMOMIF, MIX
Funders

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.emfil.org/
Year established	1996
Head of Institution	K. Paul Thomas
Regions active	Chhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches	151

Total Portfolio (nat'l)	INR 2,301,636,906
Total Portfolio (USD)	USD 43,427,111.43
Active clients with loans	352,627
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN

Loan Products » Summary

Especial

196 Borrowers

USD 131,901.55 Portfolio

Active Product

Comunitario

4,212 Borrowers

USD 942,577.32 Portfolio

Active Product

Individual

244 Borrowers

USD 420,395.99 Portfolio

Active Product

Tsembeka

130 Borrowers

USD 22,687.34 Portfolio

Active Product

Pecuario

89 Borrowers

USD 168,348.49 Portfolio

Active Product

Solidario

9 Borrowers

USD 8,574.72 Portfolio

Low Volume Product

Agricultura

21 Borrowers

USD 12,686.35 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

34,589 Borrowers

USD 2,048,910.59 Portfolio

Active Product

IGL

272,854 Borrowers

USD 26,462,628.72 Portfolio

Active Product

Jeevandhara

1,612 Borrowers

USD 109,380.39 Portfolio

Active Product

Nirmal

1,106 Borrowers

USD 141,045.49 Portfolio

Active Product

IGL 2

44,043 Borrowers

USD 14,738,249.03 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Especial	MZN 10,000 - 60,000	4 - 6	40% - 60%	60% - 80%	Business	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Grupo Comunitario	MZN 3,000 - 30,000	4 - 6	60% - 80%	60% - 80%	Business	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual	MZN 20,000 - 500,000	2 - 12	20% - 40%	80% - 100%	Business	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Tsembeka	MZN 3,000 - 15,000	4 - 6	60% - 80%	40% - 60%	Business	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Pecuária (Criação de frangos de corte)	MZN 10,000 - 300,000	2	60% - 80%	40% - 60%	Business	Women, Men	Tech Asst Visits

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
General Loan	INR 5,000 - 8,000	12	80% - 100%	0% - 20%	Any Purpose	Women, Men, Low HH Inc	Credit Educ, Group Mtgs, Business Training
Income Generation Loan	INR 8,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women, Men, Low HH Inc	Credit Educ, Group Mtgs, Business Training, Financial education
Jeevandhara	INR 3,000 - 12,000	12 - 24	80% - 100%	0% - 20%	For installing water connection	Women, Men, Low HH Inc	Credit Educ, Group Mtgs, Tech Asst Visits
Nirmal	INR 6,000 - 12,000	12 - 24	80% - 100%	0% - 20%	Sanitation Purposes	Women, Men, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Tech Asst Visits
Income Generation Loan 2+	INR 16,000 - 30,000	24	80% - 100%	0% - 20%	Business	Women, Men, Low HH Inc, Med HH Inc	Credit Educ, Group Mtgs, Business Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Especial	52.0% annual, Flat	None	15.0%-30.0% upfront	70.6% - 79.8%	89.3% - 126.5%	46
Grupo Comunitario	52.0% annual, Flat	None	10.0%-20.0% upfront	77.5% - 78.7%	77.5% - 109%	55
Individual	45.5% annual, Flat	None	10.0%-15.0% upfront	65.2% - 66.6%	76.1% - 78.1%	58
Tsembeka	32.5% annual, Flat	None	10.0%-15.0% upfront	48.8% - 50.2%	50.2% - 59.4%	58
Pecuária (Criação de frangos de corte)	24.0% annual, Flat	None	N/A	26% - 39.8%	26% - 39.8%	77

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
General Loan	27% - 27.9%	29.3% - 30.2%	29.6% - 30.5%	Yes	Yes	Yes	95
Income Generation Loan	27% - 27.9%	29.3% - 30.2%	29.6% - 30.5%	Yes	Yes	Yes	95
Jeevandhara	21.5% - 23.6%	23.8% - 25.5%	24.1% - 25.8%	Yes	Yes	Yes	99
Nirmal	22% - 22.2%	23.2% - 23.4%	23.4% - 23.6%	Yes	Yes	Yes	100
Income Generation Loan 2+	26.7% - 27.2%	28.2% - 28.7%	28.3% - 28.9%	Yes	Yes	Yes	97

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
General Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Income Generation Loan	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Jeevandhara	22.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	23.8% - 25.5%	24.1% - 25.8%	89
Nirmal	22.0%-26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	23.2% - 23.4%	23.4% - 23.6%	93
Income Generation Loan 2+	26.0% annual, Decl Bal	1 Fee	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Especial	52.0% annual, Flat	0 Ins Ins	None	15.0%-30.0% upfront	70.6% - 79.8%	89.3% - 126.5%	46
Grupo Comunitario	52.0% annual, Flat	0 Ins Ins	None	10.0%-20.0% upfront	77.5% - 78.7%	77.5% - 109%	55
Individual	45.5% annual, Flat	0 Ins Ins	None	10.0%-15.0% upfront	65.2% - 66.6%	76.1% - 78.1%	58
Tsembeka	32.5% annual, Flat	0 Ins Ins	None	10.0%-15.0% upfront	48.8% - 50.2%	50.2% - 59.4%	58
Pecuária (Criação de frangos de corte)	24.0% annual, Flat	0 Ins Ins	None	N/A	26% - 39.8%	26% - 39.8%	77

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
General Loan	27% - 27.9%	29.3% - 30.2%	29.6% - 30.5%	Yes	Yes	Yes	95
Income Generation Loan	27% - 27.9%	29.3% - 30.2%	29.6% - 30.5%	Yes	Yes	Yes	95
Jeevandhara	21.5% - 23.6%	23.8% - 25.5%	24.1% - 25.8%	Yes	Yes	Yes	99
Nirmal	22% - 22.2%	23.2% - 23.4%	23.4% - 23.6%	Yes	Yes	Yes	100
Income Generation Loan 2+	26.7% - 27.2%	28.2% - 28.7%	28.3% - 28.9%	Yes	Yes	Yes	97

*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
General Loan	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Income Generation Loan	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	29.3% - 30.2%	29.6% - 30.5%	86
Jeevandhara	22.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	23.8% - 25.5%	24.1% - 25.8%	89
Nirmal	22.0%-26.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	23.2% - 23.4%	23.4% - 23.6%	93
Income Generation Loan 2+	26.0% annual, Decl Bal	1 Fee	0 Ins Ins	12.36% fees	N/A	28.2% - 28.7%	28.3% - 28.9%	90

Institution Price Graph

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Institution Price Graph

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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By Inst Type


By Country

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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