| 18,352 |
| PKR 10,000 - 150,000 |
| 12 - 36 |
| 18.0% annual, Flat |
| 0.00%-2.00%, 1,000.00 min upfront |
| None |
| 16.00% fees |
| N/A |
| 23.8% - 45.8% |
| 2.1% - 7.8% |
| 0 |
| 0.3% - 1.3% |
| 33.4% - 39.2% |
| 45 - 100 |
| 49 |
| Outstanding portfolio (PKR) | PKR 629,599,517 |
| Portfolio (USD) | USD 6,182,667.26 |
| Active Clients with Loans | 18,352 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 100% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | x |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 5 |
| # Regions for this product | 2 |
| Regions Active | Punjab, Sindh |
| Currency | PKR |
| Minimum loan size | PKR 10,000 |
| Maximum loan size | 150,000 |
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 0 |
| PKR 25,000-50,000 | 80% |
| PKR 50,000-75,000 | 10% |
| PKR 75,000-150,000 | 10% |
| Greater than PKR 150,000 | 10% |
| Shortest loan term | 12.0 months |
| Longest loan term | 36.0 months |
| Approx average | 18.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 18.00% |
| Highest quoted nominal interest | 18.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Processing fee |
| % of loan amount - min | 0 |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 1,000 |
| Fixed amount - max | 0 |
| Reason for variation | %age of loan amount or fixed amount- whichever is higher |
| Appears on Repayment Sched? | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | Yes |
| Percentage of fees | 16% |
| All or some fees taxed | Some |
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 26,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 5,852.82 | 39.2% | 30.6% | 7.4% | 0.0% | 1.2% | 0.0% | 46 | - | |
| PKR 28,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 6,223.09 | 38.7% | 30.6% | 6.9% | 0.0% | 1.2% | 0.0% | 47 | - | |
| PKR 30,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 6,597.99 | 38.2% | 30.6% | 6.5% | 0.0% | 1.1% | 0.0% | 47 | - | |
| PKR 35,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 7,477.20 | 37.0% | 30.6% | 5.5% | 0.0% | 0.9% | 0.0% | 49 | - | |
| PKR 40,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 8,379.73 | 36.1% | 30.6% | 4.8% | 0.0% | 0.7% | 0.0% | 50 | - | |
| PKR 45,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 9,322.79 | 35.7% | 30.6% | 4.4% | 0.0% | 0.7% | 0.0% | 50 | - | |
| PKR 65,000 | Generated | 2015-06-01 | 18.0 months | N/A | PKR 19,106.08 | 33.4% | 30.3% | 2.6% | 0.0% | 0.5% | 0.0% | 54 | - | |
| PKR 95,000 | Generated | 2015-06-01 | 18.0 months | N/A | PKR 27,924.27 | 33.4% | 30.3% | 2.6% | 0.0% | 0.5% | 0.0% | 54 | - | |
| 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 |
|---|---|---|---|---|---|---|---|
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