| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.samasta.co.in/ |
| Year established | 2008 |
| Head of Institution | Venkatesh N |
| Regions active | Karnataka, Tamil Nadu |
| # Branches | 24 |
| Total Portfolio (nat'l) | INR 254,928,392 |
| Total Portfolio (USD) | USD 4,809,969.66 |
| Active clients with loans | 45,514 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | MFIN, India, AKMI, India |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.gbti.org.pk |
| Year established | 1995 |
| Head of Institution | Malik Fateh Khan |
| Regions active | Khyber Pakhtunkwa, Punjab |
| # Branches | 10 |
| Total Portfolio (nat'l) | PKR 65,643,629 |
| Total Portfolio (USD) | USD 669,832.95 |
| Active clients with loans | 6,162 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network (PMN) |
| Funders | Pakistan Poverty Alliviation Fund (PPAF), Water and Powe Development Authority (WAPDA) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | INR 10,000 - 15,000 | 12 | 80% - 100% | 80% - 100% | Business | Women, Have business, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Dairy Cow Loan | INR 24,999 - 25,000 | 24 | 80% - 100% | 0% - 20% | Business | Women, Low HH Inc, Med HH Inc, Must be supplying milk to procurers (Cooperatives or private) | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise | PKR 5,000 - 32,000 | 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Specific age group | Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Livestock | PKR 5,000 - 32,000 | 12 | 80% - 100% | 0% - 20% | Consumer | Women, Men, Specific age group | Group Mtgs, Credit Ins, Tech Asst Visits |
| 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 | 27.2% - 28% | 29.2% - 30% | 30.3% - 31.1% | Yes | Yes | Yes | 99 | |||||||
| Dairy Cow Loan | 27% - 27.2% | 28% - 28.2% | 28.8% - 29% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 29.2% - 30% | 30.3% - 31.1% | 85 | ||||||||
| Dairy Cow Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28% - 28.2% | 28.8% - 29% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise | 28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 30.3% - 35.1% | 31.9% - 39.2% | N/A | ||||||||
| Livestock | 28.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 31% - 35.9% | 32.6% - 40.1% | 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 | 27.2% - 28% | 29.2% - 30% | 30.3% - 31.1% | Yes | Yes | Yes | 99 | |||||||
| Dairy Cow Loan | 27% - 27.2% | 28% - 28.2% | 28.8% - 29% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 29.2% - 30% | 30.3% - 31.1% | 85 | ||||||||
| Dairy Cow Loan | 26.0%-27.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28% - 28.2% | 28.8% - 29% | 90 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise | 28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 30.3% - 35.1% | 31.9% - 39.2% | N/A | ||||||||
| Livestock | 28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 31% - 35.9% | 32.6% - 40.1% | N/A |
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