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ESAF Microfinance is one of the leading NBFC-MFIs (Microfinance Institution)  in India (RBI Reg. No.: B-07-00652). ESAF had a humble beginning in 1992 with a small office in Thrissur, Kerala, launched by a group of like minded social entrepreneurs. The inception of ESAF was propelled by the growing unemployment among the educated youth. Inspired by the success of Grameen Bank, initiated by Nobel Peace Laureate Professor Muhammad Yunus, the founders of ESAF ventured into micro-financing and creation of self sustainable groups to address the issues of poverty alleviation and employment generation...

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NEWS

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K. Paul Thomas receives Dhanam Marketing Man of the Year Award 2015 K. Paul Thomas receives Dhanam Marketing Man of the Year Award 2015 K. Paul Thomas, Founder & Chairman of ESAF Group, received the first ever Dhanam Marketing Man of the Year 2015 Award instituted by Dhanam Publications. V. G Mathew, Managing Director & CEO, South Indian Bank presented the award in a function held at Le Meridien, Kochi on 23rd April 2016. The award was a great recognition for the man, who builds an innovative and revolutionary organization, based on the discovery that entrepreneurship is the best solution for poverty eradication in rural areas K. Paul Thomas during his reply speech briefed about the growth of the Organization and thank... Read more
ESAF participates in Women Conclave ESAF participates in Women Conclave K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance, participated in the Women Conclave organized by Indian Women Network and Confederation of Indian Industry at Hotel Radisson Blu, Kochi on April 27, 2016. The theme of the conference was ‘small to large’.  K. Paul Thomas during his speech highlighted the success stories of ESAF beneficiaries and emphasized on the importance of transparency in leading a successful business model.  Read more
ESAF honours outstanding performers ESAF honours outstanding performers K.Paul Thomas, Chairman and Managing Director, ESAF Microfinance, honoured the sales executives who delivered outstanding performance in selling non-financial products. Mereena Paul, Head – HR, George Thomas, Executive Director, ESAF Microfinance, Ashok George, CEO, ESAF Retail and Sukesh Jain, Vice-President, Samsung Enterprises delivered speeches and distributed certificates / gifts on the occasion.  Read more
ESAF observes World Health Day ESAF observes World Health Day On April 07, 2016 ESAF branches across the nation observed World Health Day. Health programs like checking of BP and sugar and body mass index and awareness classes on lifestyle diseases were organized for the benefit of the sangam members. Doctors and health workers from various Government hospitals supported the program and made it a grand success.  Read more
ESAF organizes Snehakkoottam ESAF organizes Snehakkoottam In partnership with Pulari Children's world, ESAF organized Snehakkoottam, a vacation camp for children at Children’s Cultural Village, Ollukkara from April, 01 – 03, 2016. Ajitha Jayarajan, Hon’ble Mayor of Thrissur inaugurated the camp. Bhaskaran, Treasurer, Pulari Children's World presided over the function and Jacob Samuel, Director-Programmes, ESAF, was the Chief Guest. Satheesh Chandran, Division Councillor-Ollukkara, C.R. Das, Secretary, Pulari Children's World and George M.P., Project Officer, ESAF spoke on the occasion. Over 65 students participated in the camp and got trained in va... Read more
ESAF to save the people from the sun ESAF to save the people from the sun ESAF started distributing free buttermilk and pure water at different locations in Thrissur, in order to save the public from the scorching heat. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance, inaugurated the program and George Thomas, Executive Director, ESAF Microfinance presided over the function. Read more
ESAF celebrates 24th Foundation Day ESAF celebrates 24th Foundation Day The 24th Foundation Day of ESAF was celebrated on March 11, tadalafil 2016 at Co-operative Society Hall, view Mannuthy. Prof. Elizabeth John, troche President, ESAF Society, presided over the function. K. Paul Thomas, Founder & Executive Director, ESAF delivered the 24th Foundation Day message and Dr.Idicheria Ninan, Board Member, ESAF delivered the key note address. Jacob Samuel, Advisor, Social Transformation led the participants during the thanksgiving prayer. As part of celebrations, Mereena Paul, Board Member, ESAF cut the cake along with K. Paul Thomas. R. Billy and George K. Math... Read more
ESAF organizes Energy Lending Partnership	ESAF organizes Energy Lending Partnership ESAF Retail in association with United States Agency for International Development (USAID) organized energy lending partnership event on Feb 23, decease 2016 at Hotel Breeze, stuff Trichy. The program was aimed at enabling field partners (MFIs and NGOs) to scale up energy programs through integrated solutions that combine products, finance, after-sales support, supply chain solutions and capacity building modules. Around 75 people attended the event representing different NGOs/MFIs across Trichy. Christudas K.V., General Manager Livelihood Support Services, Ashok George, CEO - ESAF Retail an... Read more
ESAF observes International Women's Day ESAF observes International Women's Day In line with its vision of empowering the society through women, find ESAF Microfinance observed International Women's Day on March 08, viagra 2016. Skill training programs and awareness programs on various topics such as role of women in financial inclusion, women and governance, building leadership qualities among women etc. were conducted across different branches. Around 4,000 sangam members were benefitted from the programs. At most branches, winners of the local self-government elections were invited to deliver the women’s day message. Read more
ESAF organizes Dissemination Seminar on ILO Study ESAF organizes Dissemination Seminar on ILO Study ESAF Microfinance organized a dissemination seminar on the topic - 'Formalisation of Micro enterprises of women in the informal sector' at Hotel Ashoka Inn, sovaldi sale Thrissur on 8th March 2016. The function was planned to share the results of the research study on the said topic, which was supported by ILO. M.L. Rosy, Health and Standing Committee Chairperson, Thrissur Municipal Corporation inaugurated the program. Officers from MSME, District Industries Centre-Thrissur and Food & Safety Standards Authority of India spoke on the support their respective departments extended to micro e... Read more
ESAF organizes Medical Camp at Attapady ESAF organizes Medical Camp at Attapady ESAF Hospital & Research Centre, ailment Thachampara, conducted a free awareness and treatment camp for General Pubic at Attapady, Karara on February 28, 2016. The program was organized in collaboration with St. George Orthodox Church, Munddanpara. The camp was inaugurated by Rev. F. Yuhanon Rambban. The camp offered medical consultancy including ayurvedic to Ortho, General and Dental issues. Fr. Aji, Vicar, St. George Orthodox Church, Munddanpara proposed a vote of thanks. Read more
ESAF observes World Water Day ESAF observes World Water Day ESAF observed World Water Day on March 22, health 2016 by organizing several informative programs across different branches. In Kerala, ask ESAF Para branch conducted awareness programmes and covered topics like accessibility of safe drinking water, improving quality of life by following decent sanitation practices, reducing percentage of communicable diseases by using safe drinking water and rain water harvesting. Mathew P.J., Assistant Manager – Livelihood Support Services, Joshy N. A., Regional Manager, Palakkad, Daniel Jose, Manager-Product Training & Promotions, Mohan, Area Sales M... Read more
K. Paul Thomas participates in Mint's Annual Banking Conclave K. Paul Thomas participates in Mint's Annual Banking Conclave K. Paul Thomas, hospital Chairman & Managing Director, ed ESAF Microfinance, participated in the 9th edition of the Annual Banking Conclave organized by Mint at Taj Mahal Palace, Mumbai on Feb 04, 2016. The theme for the conclave was 'Disruption, Innovation and Competition in the Indian banking landscape'. K. Paul Thomas was invited as a panelist for the Conclave and had made a presentation on the topic Small Banks: Competition or Collaboration? Read more
ESAF Newsletter ‘LAHANTI’ wins National Award ESAF Newsletter ‘LAHANTI’ wins National Award For the second year in a row, prostate ESAF Newsletter 'Lahanti' has won the NIB Awards in the GOLD category for the best content among Corporate Journals in India. This is a National Award supported by the PR Council of India (PRCI) Kerala Chapter and Press Club, physician Ernakulam. V. K. Ebrahimkunju Minister for Public Works, Govt. of Kerala, handed over the award in a colourful ceremony organized at Hotel Radisson Blu, Kochi on February 20, 2016. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance received the award along with Sony V. Mathew, Editor LAHANTI and Consultant ... Read more
ESAF receives Chamber of Indian Micro Small & Medium Enterprises Award ESAF receives Chamber of Indian Micro Small & Medium Enterprises Award ESAF Microfinance has won a special jury award instituted by Chamber of Indian Micro Small & Medium Enterprises, ed for the Organization’s contributions towards the MSME sector. Piyush Goyal, Hon’ble Minister for Power, Coal & Renewable Energy distributed the award on Jan 18, 2016 at FICCI Auditorium, New Delhi. George Thomas, Executive Director, ESAF Microfinance received the award on behalf of K. Paul Thomas. Read more

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STORIES OF TRANSFORMATION

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Finding the 'beauty' in her life… Finding the 'beauty' in her life… Finding the 'beauty' in her life… Manjula, Tamil Nadu 43 year old Manjula has been a member of ESAF for the past 8 years. She was passionate about owning a business of her own an... Read more
She knows the knack of converting a crisis in to an opportunity She knows the knack of converting a crisis in to an opportunity She knows the knack of converting a crisis in to an opportunity  Mary, Kerala The physically challenged 45-year old women, Mary hails from Wadakanchery. She lives with her husb... Read more
Her flight of fancy Her flight of fancy Her flight of fancy Hemakumari, Durg 40 year old Hemakumari has been associated with ESAF for four years. She owns a shop in Durg to sell seasonal clothes, fancy items like bangl... Read more
Stitching dreams step by step Stitching dreams step by step Stitching dreams step by stepRadhamani, Tamil NaduAt the age of 26, buy when most women prefer to relax on the shoulders of their better halves, fate had left Radhamani without  ... Read more
Steely resolve… Steely resolve… Steely resolve…Archana, MaharashtraArchana is a business woman running a utensils shop in Nagpur. Few years back she decided to join ESAF as she was finding it difficult to bring u... Read more
Fanciful life, fierce determination Fanciful life, fierce determination Fanciful life, medicine fierce determinationRajamani, Tamil NaduRajamani from Sengalipalayam has been with ESAF for more than five years. She decided to join ESAF, when she realiz... Read more
Tailoring her way to success Tailoring her way to success Tailoring her way to successGurmeet, MaharashtraGurmeet, ailment an 8th standard drop out is now a successful entrepreneur. She is leading a happy life with her husband and two chi... Read more
The bamboo artist... The bamboo artist... The bamboo artist...Sitamuni Hembrom, JharkhandSitamuni Hembrom and her family were living in abject poverty and were struggling to survive. She belonged to the traditional Bamboo ... Read more
Cups and saucers bring her cup of tea Cups and saucers bring her cup of tea Cups and saucers bring her cup of teaMeena Maruti Gaykoad, Madhya PradeshMeena Maruti Gaykoad aged 35 engages in the business of selling cup and saucers. She is well supported by h... Read more
Dreaming from a food cart Dreaming from a food cart Dreaming from a food cart  Shyby Subash, KeralaShyby Subash runs a food cart adjacent to her home. Her husband Subash, generic who is a mason, also supports her during his free tim... Read more
Small toys... Big dreams... Small toys... Big dreams... Small toys... Big dreams... Sindhya, Tamil Nadu34 year old Sindya is always fond of children. For someone who lived a community life from childhood, cialis 'being a child' always h... Read more
Crispy success story Crispy success story Crispy success storyParashakthi, KeralaParashakthi aged 37 engages in the business of preparing crispy tapioca chips and selling it to bakeries in and around Thrissur.  She is well... Read more
Enjoying the sweetness of 'pappadam'... Enjoying the sweetness of 'pappadam'... It's been 5 years since Usha Pampavan enrolled as a client of ESAF Microfinance. The 43 year old lady has been engaged in the business of making pappadams for the past 25 years. Sh... Read more
Water doesn’t force Shalu to meet her waterloo Water doesn’t force Shalu to meet her waterloo ShaluTirpude resides in Silli near Bhandara. For this poor lady, no rx collecting water for daily use was an uphill task as she couldn't afford owning a water tap connection at hom... Read more
Vimala  a winner in a man's world Vimala a winner in a man's world Manufacturing and dealing with nuts and bolts is no more the fiefdom of men. That's what Vimala Ramdas from Perinjanam, check Thrissur, rx exemplifies. The 45 year old lady is sile... Read more
'Sevai' means life for Sujatha 'Sevai' means life for Sujatha Sujata Shewre owns an enterprise which specializes in producing Sevai (vermicelli). The sweetness of her smile is now sweeter than her product as her business is now known in the n... Read more
Her 'mirror' reflects her dreams...  Her 'mirror' reflects her dreams... Her 'mirror' reflects her dreams... Like any other teenager, Severina George, too found it difficult to come to terms with the untimely demise of her father. Hailing from Mulayam ... Read more
She loves the breakfast lovers... She loves the breakfast lovers... Premambikai, prostate owns an ‘instant mix’ rice flour producing unit in Pollachi-Tamil Nadu, tadalafil and is making it big among the micro-entrepreneurs. As a healthy breakfast... Read more
Umbrellas prove an umbrella to Sulochana's life… Umbrellas prove an umbrella to Sulochana's life… 19 years back Sulochana Ramakrishnan came to Laloor along with her husband Ramakrishnan and two children, hospital Nisha and Neethu. Ramakrishnan was a daily wage earner and Suloc... Read more
For Shalini ESAF water loans proved a blessing… For Shalini ESAF water loans proved a blessing… The story of Shalini Yashwant Wagde (aged 34) illustrates the positive impact, treat microfinance can make on improving the quality of life of slumdwellers. Shalini, viagra sale al... Read more
For Zeenath Sincerity is the Secret of Success For Zeenath Sincerity is the Secret of Success 40 year old Zeenath Sidhik’s life is an example of how perseverance pays off in one’s life. She proves that attitude is the key to success and believes that success doesn... Read more
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