| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.aesmp.org/ |
| Year established | 2007 |
| Head of Institution | Smt.Shaila Tiwari |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | INR 46,909,000 |
| Total Portfolio (USD) | USD 885,075.47 |
| Active clients with loans | 4,674 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.kashf.org |
| Year established | 1996 |
| Head of Institution | Roshaneh Zafar |
| Regions active | Punjab, Sindh |
| # Branches | 167 |
| Total Portfolio (nat'l) | PKR 3,409,106,521 |
| Total Portfolio (USD) | USD 34,786,801.23 |
| Active clients with loans | 306,551 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Skool Foundation, MEDA, CIDA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | INR 5,000 - 12,000 | 10.9 - 12 | 80% - 100% | 40% - 60% | Any Purpose | Women, Have business, Have home or land, Specific age group, Age Group 21 to 55 | Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Dairy Training; Financial Literacy Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | PKR 20,000 - 60,000 | 12 | 100% | 40% - 60% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy | |||||||
| Kashf ibtad-e- Karobar Karza | PKR 20,000 - 30,000 | 12 | 100% | 0% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 0 | 36.1% - 37% | 38.4% - 39.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 36.1% - 37% | 38.4% - 39.4% | 38 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 35.5% - 37.7% | 38.2% - 41.3% | N/A | ||||||||
| Kashf ibtad-e- Karobar Karza | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 38.3% - 39.2% | 41.4% - 43% | N/A |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 0 | 36.1% - 37% | 38.4% - 39.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 36.1% - 37% | 38.4% - 39.4% | 38 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 35.5% - 37.7% | 38.2% - 41.3% | N/A | ||||||||
| Kashf ibtad-e- Karobar Karza | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 38.3% - 39.2% | 41.4% - 43% | N/A |
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