Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
AccessBank | 82,400 | 199,224,000 | 4 | 176 |
Bank of Baku | 59,500 | 123,214,000 | 4 | 176 |
DemirBank | 14,100 | 25,597,000 | 2 | 120 |
FINCA | 154,600 | 233,358,000 | 12 | 120 |
Parabank | 10,300 | 37,235,000 | 3 | 176 |
Turanbank | 2,600 | 326,000 | 5 | 176 |
Unibank | 800 | 64,000 | 1 | 176 |
Viator | 19,500 | 20,468,000 | 8 | 119 |
Outstanding portfolio (PKR) | PKR 284,898,086 |
Portfolio (USD) | USD 2,797,699.21 |
Active Clients with Loans | 4,139 |
Approximate % Female Clients | 0 |
Approximate % Urban Clients | 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 5 |
# Regions for this product | 2 |
Regions Active | Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 50,000 |
Maximum loan size | 400,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 0 |
PKR 50,000-75,000 | 10% |
PKR 75,000-150,000 | 80% |
Greater than PKR 150,000 | 80% |
Shortest loan term | 12.0 months |
Longest loan term | 24.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 10% |
Longer than 18 months | 90% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Lowest quoted nominal interest | 23.00% |
Highest quoted nominal interest | 30.00% |
Reason(s) why interest rate varies | Loan Purpose |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing fee |
% of loan amount - min | 0 |
% of loan amount - max | 2.50% |
OR, Fixed amount - min | 500 |
Fixed amount - max | 0 |
Reason for variation | %age of loan amount or fixed amount-whichever is higher |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 16% |
All or some fees taxed | Some |
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 60,000 | Generated | 2015-06-01 | 18.0 months | N/A | PKR 22,496.71 | 41.6% | 37.6% | 3.4% | 0.0% | 0.6% | 0.0% | 55 | - | |
PKR 76,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 37,211.89 | 39.7% | 36.6% | 2.7% | 0.0% | 0.4% | 0.0% | 58 | - | |
PKR 80,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 39,170.41 | 39.7% | 36.6% | 2.7% | 0.0% | 0.4% | 0.0% | 58 | - | |
PKR 90,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 44,066.71 | 39.7% | 36.6% | 2.7% | 0.0% | 0.4% | 0.0% | 58 | - | |
PKR 100,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 62,982.19 | 48.9% | 45.8% | 2.7% | 0.0% | 0.4% | 0.0% | 47 | - | |
PKR 150,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 94,473.29 | 48.9% | 45.8% | 2.7% | 0.0% | 0.4% | 0.0% | 47 | - | |
PKR 300,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 188,946.58 | 48.9% | 45.8% | 2.7% | 0.0% | 0.4% | 0.0% | 47 | - | |
PKR 400,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 251,928.77 | 48.9% | 45.8% | 2.7% | 0.0% | 0.4% | 0.0% | 47 | - |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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