2. COAC San José
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. POMFB
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Institution

Pak Oman Microfinance Bank Limited 2nd Floor, Tower "C", Finance and Trade Centre (FTC), Shahra-e-FaisalKarachi, Sindh
Data approved: 2015-05-11
Data version: 2
Age of data: 115 months
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Product

Microcredito Individual Product 5 of 5 « Prev | Next »

Product

Micro Enterprise Loan Product 1 of 6 « Prev | Next »

Product Summary

Number borrowers4,498
Loan Amount (range)USD 100 - 20,000
Loan Term (range)3 - 72
Other Services (text summary)Credit Ins
Annual Interest & Method18.0% annual, Decl Bal
Fees3.00% ongoing
InsuranceNone
TaxNone
Comp Dep6.7% upfront 1.00% ongoing 2.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component18.2% - 18.3% (Int+Fee)
Insurance Component0 - 0.4%
Tax Component Range0
Full APR (int fee ins tax dep)20.7% - 21.5%
Transparency Index (min/max)84 - 95
Transparency Index (average)85

Product Summary

5,514
PKR 20,000 - 150,000
12 - 36
35.5%-38.0% annual, Decl Bal
3.00% upfront
None
None
N/A
 
33.9% - 35.4%
3.6% - 6.3%
0
0
39.5% - 41.3%
86 - 92
87

Product Details

Key Statistics
Outstanding portfolio (USD)USD 15,070,871.05
Portfolio (USD)USD 15,070,871.05
Active Clients with Loans4,498
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microcredito es destinado a financiar actividades de produccion, comercialización o servicios, cuya fuente principal de pago constituye el producto de las ventas o ingresos
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
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 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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 192,204,481
Portfolio (USD)USD 1,887,448
Active Clients with Loans5,514
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The purpose of this loan is to enhance the ongoing micro enterprise.
Loan Purpose
Any purpose
Income generationx
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 institution5
# Regions for this product5
Regions ActiveBalochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term72.0 months
Approx average30.0 months
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

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0005%
PKR 25,000-50,00040%
PKR 50,000-75,00050%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months90%
Between 13 and 18 months10%
Longer than 18 months0
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited6.67%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount depositedUSD 2
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest35.50%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fees
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationProcessing fees also includes Life Insurance facility for the customers.
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?No
Additional Comments
All fees including processing fees and markup rates has been written on the contract which has duly signed by the borrowers.

Full Pricing Data

Microcredito Individual samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-212010-08-122010-08-102010-08-122010-06-042010-05-27
Loan Term (Months)12.0 months18.0 months24.0 months24.0 months48.0 months72.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component18.2%18.3%18.2%18.2%18.2%18.2%
Insurance Component0.0%0.4%0.4%0.4%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component3.1%2.8%2.6%2.4%2.2%2.0%
Full APR (int fee ins tax dep)21.4%21.5%21.2%21.0%20.9%20.7%
Transparency Index848485868687
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Micro Enterprise Loan 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 40,000 Real 2015-03-31 12.3 months N/A PKR 9,494 39.6% 33.9% 5.7% 0.0% 0.0% 0.0% 90 PDF PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,915.98 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
PKR 50,000 Real 2015-04-17 12.0 months N/A PKR 11,798 41.3% 35.4% 5.9% 0.0% 0.0% 0.0% 86 PDF PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 11,144.98 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 5,572.49 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,915.98 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
PKR 50,000 Generated 2015-06-01 18.0 months N/A PKR 15,594.63 39.5% 35.0% 4.5% 0.0% 0.0% 0.0% 90 - PDF
PKR 60,000 Generated 2015-06-01 12.0 months N/A PKR 13,373.97 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
PKR 70,000 Generated 2015-06-01 18.0 months N/A PKR 21,832.49 39.5% 35.0% 4.5% 0.0% 0.0% 0.0% 90 - PDF
PKR 75,000 Generated 2015-06-01 12.0 months N/A PKR 16,717.47 41.3% 35.0% 6.3% 0.0% 0.0% 0.0% 86 - PDF
Microcredito Individual Price Graphs


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Micro Enterprise Loan 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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