| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.dishamicrofin.com |
| Year established | 1995 |
| Head of Institution | Sameer Nanavati |
| Regions active | Gujarat |
| # Branches | 24 |
| Total Portfolio (nat'l) | INR 759,625,000 |
| Total Portfolio (USD) | USD 14,332,547.17 |
| Active clients with loans | 69,053 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 0 |
| Network affiliations | MFIN |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.advanspakistan.com |
| Year established | 2012 |
| Head of Institution | Tariq Khan Baluch |
| Regions active | Sindh |
| # Branches | 3 |
| Total Portfolio (nat'l) | PKR 142,708,138 |
| Total Portfolio (USD) | USD 1,401,393.92 |
| Active clients with loans | 1,872 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 100% |
| Network affiliations | APMBL is a subsidiary of the Advans group |
| Funders | Advans SA, FMO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gati F | INR 12,000 - 15,000 | 15 - 18 | 100% | 0% - 20% | Business | Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be economically active | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Pragati R | INR 15,000 - 25,000 | 15 - 24 | 100% | 0% - 20% | Business | Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be economically active | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | PKR 10,000 - 150,000 | 3 - 18 | 0% - 20% | 100% | Business | Women, Men, Have business, Specific age group, Age bracket is 18 to 60 | Credit Ins |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gati F | 24.9% - 27.1% | 26.5% - 28.4% | 29.4% - 30.7% | Yes | Yes | Yes | 100 | |||||||
| Pragati R | 25.1% - 27.9% | 26.2% - 28.9% | 29% - 31.6% | Yes | Yes | Yes | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gati F | 26.0%-28.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.5% - 28.4% | 29.4% - 30.7% | 87 | ||||||||
| Pragati R | 26.0%-28.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.2% - 28.9% | 29% - 31.6% | 86 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gati F | 24.9% - 27.1% | 26.5% - 28.4% | 29.4% - 30.7% | Yes | Yes | Yes | 100 | |||||||
| Pragati R | 25.1% - 27.9% | 26.2% - 28.9% | 29% - 31.6% | Yes | Yes | Yes | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gati F | 26.0%-28.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.5% - 28.4% | 29.4% - 30.7% | 87 | ||||||||
| Pragati R | 26.0%-28.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.2% - 28.9% | 29% - 31.6% | 86 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
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