| Outstanding portfolio (USD) | USD 66,556.84 |
| Portfolio (USD) | USD 66,556.84 |
| Active Clients with Loans | 166 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| 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 | x |
| Business training | |
| Other training | |
| 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 | |
| Other | Asociacion debe haber firmado convenio con Cepesiu |
| Other (2) | Producto dirigido a produccion agricola de ciclo corto |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 500 |
| Maximum loan size | 1,500 |
| Shortest loan term | 4.0 months |
| Longest loan term | 8.0 months |
| Approx average | 6.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 | 28.56% |
| Highest quoted nominal interest | 28.56% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 12.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 1,136 | USD 1,136 | USD 1,136.36 | ||
| Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | ||
| Disbursement Date | 2010-06-15 | 2010-06-15 | 2010-06-15 | ||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 28.9% | 28.9% | 29.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 4.0% | 4.0% | 4.0% | ||
| Full APR (int fee ins tax dep) | 32.9% | 32.9% | 32.9% | ||
| Transparency Index | 87 | 87 | 87 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.badbaan.pk |
| Year established | 2006 |
| Head of Institution | Main Khan Abbasi |
| Regions active | Khyber Pakhtunkwa |
| # Branches | 1 |
| Total Portfolio (nat'l) | PKR 20,618,028 |
| Total Portfolio (USD) | USD 210,388.04 |
| Active clients with loans | 1,484 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Poverty Alleviation Fund (PPAF), Rural Support Program Network (RSPN), Pakistan Mocrofinance Network (PMN), Regional NGOs Coordination Forum (RNCF) |
| Funders | Pakistan Poverty Alleviation Fund, The Bank of Khyber, Rural Support Program Network |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Badbaan Enterprise Loan | PKR 10,000 - 50,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group | Group Mtgs, Tech Asst Visits, Business Training, Technical Trainings to Women (Handicraft) |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Badbaan Enterprise Loan | 18.0% annual, Flat | 1 Fee | 0 | None | N/A | 35.1% - 35.2% | 35.1% - 35.2% | N/A |
| Key Statistics | |
|---|---|
| # Samples: | |
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| # 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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