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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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FMO selects ESAF for Green Loans FMO selects ESAF for Green Loans The Netherlands Development Finance Company (FMO), has selected the Organization for providing green loans to the end clients. FMO manages several Private Sector Development Programs on behalf of the Dutch Government and the MASSIF Fund is an initiative on similar lines. The Protocol of Results and Evaluability calls for an impact assessment with the objective of understanding the effects of green loans on end users. Before the start of the three year impact assessment process, an evaluation assessment will be carried out among 450 clients of ESAF. The research will be conducted by the Chennai... Read more
ESAF distributes medicinal rice gruels ESAF distributes medicinal rice gruels ESAF co-operative society distributes medicinal rice gruels to the needy people at Mannuthy. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance, inaugurated the program and Jacob Samuel, Social Advisor, ESAF Microfinance presided over the function. Dr K.S. Rechithan, Superintendent, Oushadhi Pancha Karma Kendra, delivered the keynote address. Inauguration of the kitchen-Garden project and distribution of medicinal kits were also took place on the day. Read more
ESAF distributes Food Kits in Alleppey ESAF distributes Food Kits in Alleppey ESAF distributed food kits to the sangam members of Alapuzha region, on July 23, 2016.The beneficiaries were mainly the victims of the recent wave attacks in the coastal region of Alleppey. G. Sudhakaran, Minister for Public Works, inaugurated the programme, which was presided over by K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance. 1500 ESAF members were benefitted from the program. Sri. G. Sudhakaran distributed the food kits and during his reply speech appreciated the efforts of ESAF in extending a helping hand to the poor in need. Sri K. Paul Thomas distributed Mangalya ... Read more
ESAF Hospital launches new physiotherapy unit ESAF Hospital launches new physiotherapy unit ESAF Hospital launched new physiotherapy unit and separate Male / Female wards on July 23, 2016. K.V., Vijayadas, MLA, Kongad, inaugurated the function. Flag off ceremony of a new school bus for ESAF Deenabandhu School of Nursing was also organized on the day. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance inaugurated the function and Jacob Samuel, Social Advisor, ESAF Microfinance delivered the key note address. Biju George, CEO, ESAF Hospital welcomed the gathering. Read more
ESAF wins Financial Inclusion Award ESAF wins Financial Inclusion Award ESAF Microfinance bagged the prestigious SKOCH Inclusion Award and the SKOCH Order-of-Merit 2016 for financial inclusion. In the 44th SKOCH Summit held at BSE Mumbai, K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance and Mereena Paul, Head HR, ESAF Microfinance received the award from Ashish Kumar Chauhan, MD & CEO, BSE Ltd. SKOCH Award is considered as the highest independent honour in India for financial inclusion. “When it comes to financial inclusion, ESAF cannot be excluded. We have proved it once again” said an elevated K. Paul Thomas after receiving the award. The ... Read more
ESAF organizes Anemia Prevention and Control Program ESAF organizes Anemia Prevention and Control Program In another customer oriented initiative, ESAF has organized anemia prevention and control program at Chhindwara branch in Madhya Pradesh. In the first phase of the program, 188 women beneficiaries from three remote villages, Sonpipari, Parasiya and Megheseoni, participated. Nearly 70% women participants were identified with anemia levels ranging from mild to moderate & severe. Immediate medical action was required for 30 odd clients. The selected members were given health tips, especially on the intake of inexpensive iron rich foods, dangers associated with severe anemia levels and on the ... Read more
ESAF observes World Environment Day ESAF observes World Environment Day ESAF celebrated World Environment Day across all branches on June 06, 2016. K. Paul Thomas, Chairman, ESAF Group inaugurated the celebrations at the Head Office and  Christudas K.V., G.M - Livelihood Support and Environment made a presentation on the topic ‘Fight Against the Illegal Trade in Wildlife’, which was the theme for the day. Mereena Paul, Head HR, inaugurated the distribution of tree saplings and ESAF staff took pledge under the leadership of Jacob Samuel, Social Advisor, ESAF Microfinance. Read more
ESAF to make Kochi more ‘Livable’... ESAF is all set to launch its ‘livable cities’ project in Kochi in order to find a perennial solution to the absence of space for children and pedestrians in the city. The Organization has undertaken efforts at the base level to overcome the incongruities in the scheme of things. The goal is to make Kochi more livable. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance said that ESAF upholds the UNICEF theme of making cities children-friendly. He added that ESAF is associating with Healthbridge Canada to carry out the study. Earlier ESAF has launched the projects in Nagpur in 20... Read more
ESAF supports victims of temple tragedy ESAF supports victims of temple tragedy Paripally branch of ESAF Microfinance extended financial support to the victims of Puttingal temple tragedy. G. S. Jayalal, MLA, Chathannoor handed over the cheque to the beneficiaries. K. Paul Thomas, Chairman and Managing Director, ESAF Microfinance, presided over the function. Mereena Paul, HR Head, ESAF Microfinance, Prashanth B. Pillai, Regional Manager, ESAF Microfinance and Sheeba R., Deputy Chairperson, Paravur also spoke on the occasion. Read more
ESAF Co-operative Society Organizes Swasraya Samrudhi 2016 ESAF Co-operative Society Organizes Swasraya Samrudhi 2016 The Annual General Body Meeting of ESAF Swasraya Multistate Co-operative Credit Society was held on 29th May 2016, rx at Hotel Ashoka Inn, cure Thrissur. K. Paul Thomas, sovaldi sale Chairman, ESAF Co-operative Society inaugurated the meeting. Adv. K. Rajan, MLA, Ollur constituency distributed the welfare funds and accidental death insurance to the members. Academic Excellence Awards were distributed to children of sangam members who had scored top marks in the SSLC examination. Mementos and cash awards were handed over to them. George Thomas, Executive Director, ESAF Microfinance and Georg... Read more
ESAF Microfinance gets Rating Upgrade ESAF Microfinance gets Rating Upgrade ESAF Microfinance has been rated MFI 1 by Credit Analysis and Research Ltd. (CARE), view a world renowned SEBI approved rating agency. Currently, CARE has established as the second largest credit rating agency in India. The grading is assigned on an eight point scale with "MFI 1" being the highest and "MFI 5" being the lowest. The rating reflects the relative capability of the MFI to conduct the business in a scalable and sustainable manner. An elated K. Paul Thomas, Chairman & Managing Director, ESAF Microfinance said “ESAF has been upholding the principles of corporate governance in the... Read more
ESAF Organizes Livelihood Training Programme ESAF Organizes Livelihood Training Programme A Livelihood Training Program on bamboo crafts was organized for the clients in Thadezari village, pharmacy under the Sakoli branch in Maharashtra. Being one of the remotest locations in Sakoli, search women here do not have too much livelihood options to rely upon. ESAF took the initiative to train them in bamboo crafts, salve as bamboo is the most common species available at this part of the world. An external resource person, who runs a handicraft unit of his own, was the master trainer. The three day training program was aimed to motivate the women to start their own small-scale units. Read more
ESAF Organizes Umbrella Fair - 2016 ESAF Organizes Umbrella Fair - 2016 ESAF Livelihood Support Services team along with ESAF Co-operative and ESAF Retail organized Umbrella Fair-2016. The fair was aimed to promote hand-made umbrellas made by ESAF sangam members using traditional techniques. K. Paul Thomas, no rx sovaldi Chairman and Managing Director, troche ESAF Microfinance inaugurated the event. In his inaugural speech he appreciated the whole- hearted efforts of all the teams involved in executing the idea. He also encouraged the staff to buy umbrellas for their families and exhorted them to introduce it to friends and relatives. George Thomas, Executive D... Read more
ESAF Campaigns against Substance Abuse ESAF Campaigns against Substance Abuse For the past one year, generic ESAF has been trying to reach out to underprivileged children through Community Transformation Hubs, sovaldi sale an initiative supported by the CSR of Yes Bank. One of the activities in connection with the Jyothirgamaya program conducted in the CTHs during the summer vacation was SAY NO TO SAD (smoking, alcohol and drugs), a campaign against smoking and substance abuse. The campaign was well appreciated by parents and the general public and caught the attention of the media too. Read more
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, treat 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 an... 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, help Kerala The physically challenged 45-year old women, salve Mary hails from Wadakanchery. She lives wit... Read more
Her flight of fancy Her flight of fancy Her flight of fancy Hemakumari, click Durg 40 year old Hemakumari has been associated with ESAF for four years. She owns a shop in Durg to sell seasonal clothes, cure fancy items... 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, health illness MaharashtraArchana is a business woman running a utensils shop in Nagpur. Few years back she decided to join ESAF as she was finding it dif... 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, buy cialis  MaharashtraGurmeet, ailment an 8th standard drop out is now a successful entrepreneur. She is leading a happy life with her husband... 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, discount Madhya PradeshMeena Maruti Gaykoad aged 35 engages in the business of selling cup and saucers. She is well supp... Read more
Dreaming from a food cart Dreaming from a food cart Dreaming from a food cart  Shyby Subash, hospital KeralaShyby Subash runs a food cart adjacent to her home. Her husband Subash, check generic who is a mason, patient also suppor... 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, pilule recipe KeralaParashakthi aged 37 engages in the business of preparing crispy tapioca chips and selling it to bakeries in and around Thriss... 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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