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Institution

COAC FondVida Flavio Alfaro Oe6 - 150 y Francisco DavilaQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Institution

Kashf Foundation 19-Aibak Block, New Garden TownLahore, Punjab54000
Data approved: 2013-06-19
Data version: 1
Age of data: 114 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2000
Head of InstitutionSandra Mireya Naula Cuenca
Regions active
# Branches1

Total Portfolio (nat'l)USD 4,200,342
Total Portfolio (USD)USD 4,200,342
Active clients with loans2,511
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRFR, Contrato Social por la Vivienda
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.kashf.org
Year established1996
Head of InstitutionRoshaneh Zafar
Regions activePunjab, Sindh
# Branches167

Total Portfolio (nat'l)PKR 3,409,106,521
Total Portfolio (USD)USD 34,786,801.23
Active clients with loans306,551
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network
FundersPakistan Poverty Alleviation Fund, Skool Foundation, MEDA, CIDA

Loan Products » Summary

1,076 Borrowers
USD 2,021,763 Portfolio
Active Product
180 Borrowers
USD 111,491 Portfolio
Active Product
1,209 Borrowers
USD 1,949,015 Portfolio
Active Product
46 Borrowers
USD 118,073 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

KKK
306,389 Borrowers
USD 34,761,739.10 Portfolio
Active Product
161 Borrowers
USD 24,041.72 Portfolio
Active Product
KSS
1 Borrowers
USD 1,020.41 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito de consumo USD 100 - 5,000 3 - 36 60% - 80% 80% - 100% Any Purpose Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. Credit Educ, Credit Ins, Asesoría administración del dinero
Crédito Grupal Solidario USD 500 - 1,500 6 - 15 60% - 80% 80% - 100% Business Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantía grupal Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor
Crédito Individual para Micro USD 100 - 5,000 3 - 24 60% - 80% 80% - 100% Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercadería Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espíritu emprendedor

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Kashf Karobar Karza PKR 20,000 - 60,000 12 100% 40% - 60% Business, Agriculture Women, Have business, Specific age group Credit Educ, Business Training, Other Training, Financial Literacy
Kashf ibtad-e- Karobar Karza PKR 20,000 - 30,000 12 100% 0% Business, Agriculture Women, Have business, Specific age group Credit Educ, Business Training, Other Training, Financial Literacy

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kashf Karobar Karza 20.0% annual, Flat 1 Fee 1 Ins None N/A 35.5% - 37.7% 38.2% - 41.3% N/A
Kashf ibtad-e- Karobar Karza 22.0% annual, Flat 1 Fee 1 Ins None N/A 38.3% - 39.2% 41.4% - 43% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kashf Karobar Karza 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 35.5% - 37.7% 38.2% - 41.3% N/A
Kashf ibtad-e- Karobar Karza 22.0% annual, Flat 1 Fee 1 Ins Ins None N/A 38.3% - 39.2% 41.4% - 43% N/A
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