2. Sambhav
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FINCA
Please note that the information you are viewing is 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sambhav Social Service Organization Lincoln House, 19 New Vivekanand ColonyBalwant Nagar Ext. Gandhi RaodGwalior, M.P474002
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution

FINCA Microfinance Bank Ltd 387-E, Johar TownLahore, Punjab
Data approved: 2015-04-17
Data version: 2
Age of data: 114 months
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Product

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Product

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Product Summary

Number borrowers53
Loan Amount (range)INR 5,000 - 20,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method18.0% annual, Flat
Fees2.00% upfront
Insurance40.00-200.00 upfront 40.00-200.00 upfront
TaxNone
Comp Dep10.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component33.9% (Int+Fee)
Insurance Component1.4% - 4.1%
Tax Component Range0
Full APR (int fee ins tax dep)41.9%
Transparency Index (min/max)33 - 80
Transparency Index (average)43

Product Summary

3,162
PKR 25,000 - 150,000
3 - 24
Credit Ins
24.0%-26.0% annual, Decl Bal
600.00-1,000.00 upfront
1.10% upfront
16.00% fees
N/A
 
23.8% - 50.1%
1.3% - 14.5%
0.8% - 2.9%
0.3% - 2.8%
27.3% - 40.9%
42 - 99
72

Product Details

Key Statistics
Outstanding portfolio (INR)INR 600,000
Portfolio (USD)USD 11,320.75
Active Clients with Loans53
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
Loan is provided for repairing house like construction of new room, pucca roof or renovating house.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveMadhya Pradesh, Uttar Pradesh

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 84,233,426.32
Portfolio (USD)USD 827,172.25
Active Clients with Loans3,162
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Term Loan with repayment model of monthly equal installment
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveKhyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average18.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 25,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00010%
PKR 25,000-50,00070%
PKR 50,000-75,00010%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months5%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.50%
Highest quoted nominal interest1.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionInsuranceInsurance
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min4040
Fixed amount - max200200
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaSecurity deposit is not applicable for the loan upto Rs. 5000.
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.50%
Maximum interest rate paid3.50%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Sambhav provide a recipt to every client for all the charges taken toward loan.

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min600
Fixed amount - max1,000
Reason for variationfor fresh clients- 1000, for repeat clients-600
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.10%
% of loan amount - max1.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

House Repair samples
Sample 1
Loan AmountINR 15,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-05-07
Loan Term (Months)18.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component33.9%
Insurance Component1.4%
Tax Component0
Deposit Component6.6%
Full APR (int fee ins tax dep)41.9%
MFIN MFI Earning (Annualised)33.9%
MFIN Cost to Borrower (Annualised)41.9%
Transparency Index43
MFIN Transparency IndexN/A
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Sunehri Karza samples
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 25,000 Generated 2015-06-01 9.0 months N/A PKR 4,274.36 40.9% 25.7% 10.1% 2.9% 2.2% 0.0% 59 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 5,945.14 35.9% 25.7% 6.6% 2.2% 1.4% 0.0% 67 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 6,742.67 34.8% 25.7% 5.6% 2.2% 1.3% 0.0% 69 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 7,540.19 34.0% 25.7% 4.9% 2.2% 1.2% 0.0% 71 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 8,337.71 33.3% 25.7% 4.4% 2.1% 1.1% 0.0% 72 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 8,843.05 31.8% 24.8% 3.8% 2.2% 1.0% 0.0% 75 - PDF
PKR 65,000 Generated 2015-06-01 12.0 months N/A PKR 11,147.97 30.7% 24.8% 2.9% 2.2% 0.8% 0.0% 78 - PDF
PKR 90,000 Generated 2015-06-01 18.0 months N/A PKR 20,407.25 27.3% 23.8% 1.5% 1.5% 0.5% 0.0% 88 - PDF
House Repair Price Graphs


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Sunehri Karza Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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