| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2003 |
| Head of Institution | JOSE SANTOS CHANGO UÑOG |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | USD 16,830,803 |
| Total Portfolio (USD) | USD 16,830,803 |
| Active clients with loans | 5,308 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | Mukhtiar Ali Sahto |
| Regions active | Sindh |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 78,057,980 |
| Total Portfolio (USD) | USD 766,529.36 |
| Active clients with loans | 3,537 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MON-PAK, Community Development Network (CDN) |
| Funders | OPP-Oct Karachi, Pakistan Poverty Alleviation Fund(PPAF), OPP-RTI Karachi, IOM -Pak |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 200 - 20,000 | 2 - 30 | 20% - 40% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men | Credit Educ | |||||||
| Microcredito | USD 400 - 50,000 | 4 - 30 | 0% - 20% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men | Credit Educ |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture | PKR 10,000 - 50,000 | 6 | 0% | 0% | Business, Agriculture | Men | Group Mtgs | |||||||
| Enterprise | PKR 10,000 - 30,000 | 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Specific age group | Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 15.2%-18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.0% upfront | 13.3% - 15.4% | 15.7% - 18.3% | 87 | ||||||||
| Microcredito | 18.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.0% upfront | 15.4% - 23.1% | 18.2% - 27.1% | 77 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 47.2% | 50.9% | 43 | ||||||||
| Enterprise | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 43.9% | 45.9% | 48 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 15.2%-18.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.0% upfront | 13.3% - 15.4% | 15.7% - 18.3% | 87 | ||||||||
| Microcredito | 18.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.0% upfront | 15.4% - 23.1% | 18.2% - 27.1% | 77 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 47.2% | 50.9% | 43 | ||||||||
| Enterprise | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 43.9% | 45.9% | 48 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
