| Number borrowers | 2,814 |
| Loan Amount (range) | USD 50 - 250 |
| Loan Term (range) | 3 - 12 |
| Other Services (text summary) | Credit Educ, Other Training |
| Annual Interest & Method | 27.6%-33.6% annual, Decl Bal |
| Fees | 0.50% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 27.1% - 36.0% |
| Fee Component | 0 - 1.8% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 28.2% - 35.8% |
| Transparency Index (min/max) | 74 - 106 |
| Transparency Index (average) | 84 |
| 1,330 |
| PKR 3,000 - 50,000 |
| 3 - 6 |
| Business Training, Refund of principle amount in case of death |
| 22.0% annual, Flat |
| 3.00% upfront 1.00% upfront |
| None |
| None |
| N/A |
| 20.9% - 43.5% |
| 8.2% - 9.5% |
| 0 |
| 0 |
| 29.2% |
| 42 - 75 |
| 75 |
| Outstanding portfolio (USD) | USD 446,098 |
| Portfolio (USD) | USD 446,098 |
| Active Clients with Loans | 2,814 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| 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 | x |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| 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 | x |
| Other | |
| Other (2) |
| # Regions for this institution | 24 |
| # Regions for this product | 3 |
| Regions Active | Banteay Meanchey, Phnom Penh, Prey Veng |
| Outstanding portfolio (PKR) | PKR 42,968,626 |
| Portfolio (USD) | USD 421,951.91 |
| Active Clients with Loans | 1,330 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | x |
| Other training | |
| Other | Refund of principle amount in case of death |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Sindh |
| Currency | USD |
| Minimum loan size | USD 50 |
| Maximum loan size | USD 250 |
| Loans less than USD 250 | 100% |
| USD 250-1,000 | 0 |
| USD 1,000-1,500 | 0 |
| USD 1,500-2,000 | 0 |
| USD 2,000-2,500 | 0 |
| Greater than USD 2,500 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 10.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 5% |
| Between 7 and 9 months | 5% |
| Between 10 and 12 months | 90% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| 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 | |
| Irregular payments |
| Currency | PKR |
| Minimum loan size | PKR 3,000 |
| Maximum loan size | 50,000 |
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 0 |
| PKR 25,000-50,000 | 100% |
| PKR 50,000-75,000 | 0 |
| PKR 75,000-150,000 | 0 |
| Greater than PKR 150,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 6.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 100% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 0.3 months |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 2.30% |
| Highest quoted nominal interest | 2.80% |
| Reason(s) why interest rate varies | Branch, Time as Client, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Administration Fee |
| % of loan amount - min | 0.50% |
| % of loan amount - max | 0.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| 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? | No |
| Lowest quoted nominal interest | 22.00% |
| Highest quoted nominal interest | 22.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Registration Fee | Emergency Fund Fee | |
| % of loan amount - min | 3.00% | 1.00% | |
| % of loan amount - max | 3.00% | 1.00% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | Yes | 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? | No |
| Sample 2 | Sample 3 | Sample 4 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 250 | USD 150 | USD 150 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-11-23 | 2013-02-06 | 2013-03-07 | ||
| Loan Term (Months) | 10.0 months | 13.0 months | 11.0 months | ||
| Grace Period (Months) | -0.2 months | 0.2 months | 0.4 months | ||
| Total Cost of Credit | USD 39.25 | USD 31.75 | USD 20.75 | ||
| True Price by Comp | |||||
| Interest price component | 34.4% | 34.9% | 27.1% | ||
| Fee Component | 1.2% | 0.9% | 1.1% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 35.6% | 35.8% | 28.2% | ||
| Transparency Index | 78 | 77 | 98 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
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 25,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 3,712.33 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 28,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 4,157.81 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 30,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 4,454.79 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 33,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 4,900.27 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 36,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 5,345.75 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 40,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 5,939.73 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 45,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 6,682.19 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| PKR 50,000 | Generated | 2015-05-01 | 5.9 months | N/A | PKR 7,424.66 | 29.2% | 20.9% | 8.3% | 0.0% | 0.0% | 0.0% | 75 | - | |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
