2. CooP VPR
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

Institution

Cooperativa de Ahorro y Crédito Padre Vicente Ponce 10 de Agosto y Olmedo, Edif. Episcopal 3er. PisoTulcán, Carchi
Data approved: 2011-10-11
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2008
Head of InstitutionLuis Aníbal Tatés Fernández
Regions activeCarchi
# Branches2

Total Portfolio (nat'l)USD 908,092.58
Total Portfolio (USD)USD 908,092.58
Active clients with loans727
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsRed Financiera Rural, Unión Católica de Apoyo al Desarrollo
Funders

Loan Products » Summary

Edascate
67 Borrowers
USD 89,381 Portfolio
Active Product
Producir
636 Borrowers
USD 915,386 Portfolio
Active Product
Comunitario
15 Borrowers
USD 29,304 Portfolio
Low Volume Product
Urgentito
12 Borrowers
USD 18,923 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 EDàšCATE USD 100 - 3,030 6 - 30 80% - 100% 60% - 80% Consumer, Education Women, Men, Salaried worker, Estudiantes con relación de dependencia. N/A
Crédito PRODUCIR USD 200 - 3,030 4 - 36 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Formación y capacitación en diversos temas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito EDàšCATE 15.2% annual, Decl Bal 0 Fees 1 Ins None N/A 15.7% - 16.2% 16.7% - 17.2% 89
Crédito PRODUCIR 18.8% annual, Decl Bal 0 Fees 1 Ins None 12.5% upfront 18.8% - 20% 22.3% - 26.4% 76
Institution Price Graph
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  2. KBL
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

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 115 months
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Product

Khushhali Karza - EMI (Group Based Lending) Product 2 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 1,120,243,405
Portfolio (USD)USD 11,000,790.24
Active Clients with Loans82,054
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Khushhali Karza-EMI ( Group Based Lending)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00080%
PKR 25,000-50,00020%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
Between 13 and 18 months0
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 interest31.00%
Highest quoted nominal interest31.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min800
Fixed amount - max1,000
Reason for variationLoan =<PKR 30,000= 800, > 30,000 and = 50,000 = 1000
Appears on Repayment Sched?No
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Khushhali Karza - EMI (Group Based Lending) 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 15,000 Generated 2015-06-01 9.0 months N/A PKR 2,938.15 46.6% 30.6% 13.7% 0.0% 2.3% 0.0% 67 - PDF
PKR 18,000 Generated 2015-06-01 12.0 months N/A PKR 4,099.58 40.9% 30.6% 8.9% 0.0% 1.4% 0.0% 76 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 4,451.98 39.9% 30.6% 8.0% 0.0% 1.3% 0.0% 78 - PDF
PKR 22,000 Generated 2015-06-01 12.0 months N/A PKR 4,804.38 39.0% 30.6% 7.2% 0.0% 1.2% 0.0% 79 - PDF
PKR 24,000 Generated 2015-06-01 12.0 months N/A PKR 5,156.78 38.3% 30.6% 6.6% 0.0% 1.1% 0.0% 81 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 5,332.98 38.0% 30.6% 6.3% 0.0% 1.1% 0.0% 82 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,445.97 38.3% 30.6% 6.6% 0.0% 1.1% 0.0% 81 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,207.96 36.3% 30.6% 4.9% 0.0% 0.8% 0.0% 85 - PDF
Khushhali Karza - EMI (Group Based Lending) 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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Total Borrowers of Samples

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