2. FINCA
Please note that the information you are viewing is 120 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. TMFB
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 120 months
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Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 113 months
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Product

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Product

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Product Summary

Number borrowers184
Loan Amount (range)USD 50 - 3,000
Loan Term (range)4 - 18
Other Services (text summary)
Annual Interest & Method29.0%-32.0% annual, Decl Bal
Fees2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.8% - 38.4%
Fee Component1.5% - 7.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)33.6% - 35.5%
Transparency Index (min/max)57 - 94
Transparency Index (average)84

Product Summary

2,084
PKR 20,000 - 450,000
24 - 60
Credit Ins
19.0%-20.0% annual, Flat
2.00% upfront
None
16.00% fees
N/A
 
23.8% - 45.8%
2.1% - 7.8%
0
0.3% - 1.3%
34.2%
45 - 100
56

Product Details

Key Statistics
Outstanding portfolio (USD)USD 194,380.77
Portfolio (USD)USD 194,380.77
Active Clients with Loans184
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
A loan for group borrowers living in urban areas and engaged in trade, services and production.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 214,999,847
Portfolio (USD)USD 2,111,298.50
Active Clients with Loans2,084
Approximate % Female Clients0
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Tameer Housing loan is meant for house extension or improvement. This product is targeted towards low-salaried or self-employed microfinance customers.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50050%
USD 1,500-5,00050%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term18.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size450,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,0000
PKR 50,000-75,0000
PKR 75,000-150,00080%
Greater than PKR 150,00080%
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionOrigination Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest19.00%
Highest quoted nominal interest20.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Solidarity Credit Group (USD) samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
USD 50 Generated 2014-11-01 12.0 months N/A USD 9.46 33.6% 29.6% 4.0% 0.0% 0.0% 0.0% 86 - PDF
USD 900 Generated 2014-11-01 12.0 months N/A USD 170.31 33.6% 29.6% 4.0% 0.0% 0.0% 0.0% 86 - PDF
USD 1,500 Generated 2014-11-01 12.0 months N/A USD 292.68 34.6% 30.6% 4.0% 0.0% 0.0% 0.0% 84 - PDF
USD 3,000 Generated 2014-11-01 12.0 months N/A USD 603.06 35.5% 31.6% 3.9% 0.0% 0.0% 0.0% 82 - PDF

Full Pricing Data

House Finance samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 76,000 Generated 2015-06-01 24.0 months N/A PKR 31,443.80 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 80,000 Generated 2015-06-01 24.0 months N/A PKR 33,098.74 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 100,000 Generated 2015-06-01 24.0 months N/A PKR 41,373.42 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 110,000 Generated 2015-06-01 24.0 months N/A PKR 45,510.77 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 120,000 Generated 2015-06-01 24.0 months N/A PKR 49,648.11 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 140,000 Generated 2015-06-01 24.0 months N/A PKR 57,922.79 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 160,000 Generated 2015-06-01 24.0 months N/A PKR 66,197.48 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
PKR 300,000 Generated 2015-06-01 24.0 months N/A PKR 124,120.27 34.2% 31.8% 2.1% 0.0% 0.3% 0.0% 56 - PDF
Solidarity Credit Group (USD) Price Graphs


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House Finance Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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