Where we work

South Asia
• Bangladesh
• India
◦ ASA
    ◦ CASHPOR
    ◦ CCD
    ◦ ESAF
    ◦ Grameen Koota
    ◦ SHARE
    ◦ SKS
    ◦ Sonata
    ◦ D. Ellevva's story
    ◦ Pentamma's story
• Pakistan

East and Southeast Asia

Latin America / Caribbean

Middle East / North Africa

Sub-Saharan Africa

United States

Grameen Foundation : Where we work : South Asia : India : ESAF

Evangelical Social Action Forum (ESAF)

Status snapshot as of December 2007
Active clients	216,598
Loan portfolio (USD)	$15,713,317
Portfolio At Risk >30 days*	2.8%
* Value of all loans outstanding that have one or more installments past due more than 30 days

ESAF is a registered charitable society located in Kerala in southern India. Its 55 branches extend into four other states: Maharashtra, Gujarat, Jharkhand, and Chattisgarh. In addition to microfinance, they provide a range of services to members including skills-building, business development services, and market linkages.

After the 2004 tsunami, three branches were opened: one in Alleppey (Kerala state), and two in Kanyakumari (Tamil Nadu state). A central office has also been established in Kanyakumari to oversee the three branches. Between December 2004 and March 2005, ESAF engaged in relief work. They then transitioned into livelihood restoration, providing boats, catamarans, and house repair and construction. In the fall of 2005, ESAF’s tsunami programs transitioned again into providing microfinance in the affected areas.

Outreach:

As of December 2007, ESAF was serving 15,713,317 clients. Because of their expansion in response to the 2004 tsunami, as of June 2006, ESAF was serving 3,127 tsunami affected clients.

Grameen Foundation support:

Grameen Foundation began working with ESAF following the 2004 tsunami and has provided $145,000 in funding for onlending and operating expenses related to their expansion into tsunami affected areas.

Learn more at: www.esafindia.org

Grameen Foundation : Where we work : South Asia : India : ESAF