Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.insotec-ec.com/ |
Year established | 1980 |
Head of Institution | José Lanusse |
Regions active | |
# Branches | 4 |
Total Portfolio (nat'l) | USD 6,252,818 |
Total Portfolio (USD) | USD 6,252,818 |
Active clients with loans | 7,244 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Red Financiera Rural |
Funders | SISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1996 |
Head of Institution | Mr Gulbaz Afaqi |
Regions active | Punjab |
# Branches | 3 |
Total Portfolio (nat'l) | PKR 85,584,088 |
Total Portfolio (USD) | USD 873,307.02 |
Active clients with loans | 4,193 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0 |
Network affiliations | Pakistan Microfinance Network, PMFN, MONPAK, HRDN |
Funders | Pakistan Poverty Alleviation Fund, One UN GRIP, OPP/OCT |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 0% - 20% | Business, Mejora Local | Women, Men, Have business | Credit Ins | |||||||
CrediSimple | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 60% - 80% | Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local | Women, Men, Have business | Credit Ins | |||||||
Emergente | USD 250 - 1,800 | 3 - 5 | 20% - 40% | 0% - 20% | Business, Other, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land | Credit Ins | |||||||
SINCO | USD 300 - 1,000 | 3 - 8 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land, Propietario de Terreno | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | PKR 20,000 - 75,000 | 6 - 18 | 20% - 40% | 0% | Agriculture | Women, Men | ||||||||
Livestock | PKR 15,000 - 30,000 | 12 | 40% - 60% | 0% | Business | Women, Men | ||||||||
Livestock Fattening | PKR 20,000 - 30,000 | 6 - 11 | 40% - 60% | 0% | Business | Women, Men | Credit Ins, Tech Asst Visits | |||||||
Handicrafts | PKR 15,000 - 30,000 | 12 | 80% - 100% | 0% | Business | Women, Men, Have business | ||||||||
Trade Business | PKR 10,000 - 70,000 | 12 | 20% - 40% | 0% | Business | Women, Men, Have business | ||||||||
Solar Lighting | PKR 15,000 - 30,000 | 6 - 12 | 20% - 40% | 0% | Any Purpose | Women, Men |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% | 40.7% | N/A | ||||||||
Livestock | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Livestock Fattening | 21.0%-24.0% annual, Flat | 1 Fee | 1 Ins | None | None | 25.8% | 29% | N/A | ||||||||
Handicrafts | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A | ||||||||
Trade Business | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Solar Lighting | 36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% | 40.7% | N/A | ||||||||
Livestock | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Livestock Fattening | 21.0%-24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | None | 25.8% | 29% | N/A | ||||||||
Handicrafts | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A | ||||||||
Trade Business | 21.0%-24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 40.7% - 40.9% | 40.7% - 40.9% | N/A | ||||||||
Solar Lighting | 36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 40.3% - 40.9% | 40.3% - 40.9% | N/A |
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