2. COAC Ambato
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. SRDO
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

Cooperativa de Ahorro y Credito Ambato Ltda Lalama 08-51 y Juan B VelaAmbato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Institution

Shadab Rural Development Organization Near Shell Petrol Station, Tando Adam RoadShahdadpur, Sindh68030
Data approved: 2015-04-25
Data version: 2
Age of data: 115 months
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Product Summary

Number borrowers595
Loan Amount (range)USD 200 - 20,000
Loan Term (range)2 - 30
Other Services (text summary)Credit Educ
Annual Interest & Method15.2%-18.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep10.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component13.3% - 15.4% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)15.7% - 18.3%
Transparency Index (min/max)66 - 99
Transparency Index (average)87

Product Summary

1,409
PKR 10,000 - 30,000
12
Group Mtgs
22.0% annual, Flat
3.00% upfront
1.00% upfront
None
N/A
 
36.4% - 37.8%
6.1% - 10.8%
2.0% - 3.7%
0
45.9%
43 - 48
48

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,816,861
Portfolio (USD)USD 1,816,861
Active Clients with Loans595
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Son creditos para el mejoramiento de los socios mas en la sector rural
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 12,719,344
Portfolio (USD)USD 124,903.96
Active Clients with Loans1,409
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is designed to serve the financial needs of small trade, services and manufacturing activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term30.0 months
Approx average15.0 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 10,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00090%
PKR 25,000-50,00010%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace periodDK
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 interest15.20%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesLoan Purpose
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
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocuments/Registration Fee
% 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
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Management Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Full Pricing Data

Consumo samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,212USD 2,525USD 3,939USD 8,080
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-122010-08-022010-08-202010-08-30
Loan Term (Months)12.0 months8.0 months24.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component15.4%15.4%15.4%13.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component2.7%2.6%2.9%2.4%
Full APR (int fee ins tax dep)18.1%18.0%18.3%15.7%
Transparency Index84848397
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Enterprise 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 25,000 Real 2015-05-01 12.0 months N/A PKR 6,484.93 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 PDF PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 6,484.93 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 10,000 Real 2015-05-01 12.0 months N/A PKR 2,593.97 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 PDF PDF
PKR 10,000 Generated 2015-05-01 12.0 months N/A PKR 2,593.97 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 15,000 Generated 2015-05-01 12.0 months N/A PKR 3,890.96 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 17,000 Generated 2015-05-01 12.0 months N/A PKR 4,409.75 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 5,187.95 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 5,706.74 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
PKR 24,500 Generated 2015-05-01 12.0 months N/A PKR 6,355.23 45.9% 37.8% 6.1% 2.0% 0.0% 0.0% 48 - PDF
Consumo Price Graphs


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Enterprise 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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