Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.satincreditcare.com/ |
Year established | 1990 |
Head of Institution | H P Singh |
Regions active | Bihar, Haryana, Madhya PradeshPunjab, Uttar Pradesh, Uttarakhand, Chandigarh, National Capital Territory of Delhi |
# Branches | 158 |
Total Portfolio (nat'l) | INR 4,779,248,793 |
Total Portfolio (USD) | USD 90,174,505.53 |
Active clients with loans | 428,995 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MFIN, Sa-Dhan |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.tameerbank.com |
Year established | 2005 |
Head of Institution | Nadeem Hussain (CEO & President) |
Regions active | Azad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 153 |
Total Portfolio (nat'l) | PKR 8,701,618,309 |
Total Portfolio (USD) | USD 85,449,891.79 |
Active clients with loans | 221,224 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Pakistan Micro Finance Network |
Funders | CGAP, DFID |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan - Urban | INR 20,000 - 50,000 | 12 - 30 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Med HH Inc, Urban HH | Credit Educ | |||||||
Income Generation Loan (Rural) | INR 8,000 - 25,000 | 15 - 26 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Rural HH | Credit Educ, Group Mtgs, Credit Education, Financial Literacy Training. , Group Meeting |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tameer Sarmaya Qarza (TSQ) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 20% - 40% | Business, Agriculture, Other | Women, Men | Credit Ins | |||||||
Karobar Loan | PKR 10,000 - 125,000 | 6 - 24 | 0% - 20% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Livestock Financing | PKR 50,000 - 400,000 | 12 - 24 | 0% | 100% | Business | Women, Men, Have business | ||||||||
Group Loan | PKR 15,000 - 25,000 | 12 - 36 | 60% - 80% | 60% - 80% | Business | Women, Men | ||||||||
House Finance | PKR 20,000 - 450,000 | 24 - 60 | 0% | 100% | Housing, Consumer | Women, Men, Have home or land | Credit Ins | |||||||
Salary Loan | PKR 10,000 - 150,000 | 12 - 36 | 0% - 20% | 100% | Consumer, Other | Women, Men, Salaried worker |
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 - Urban | 22.3% - 23.5% | 22.3% - 23.5% | 22.3% - 23.5% | Yes | Yes | Yes | 100 | |||||||
Income Generation Loan (Rural) | 25.8% - 27.9% | 26.9% - 29.6% | 29.6% - 32.3% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan - Urban | 22.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.3% - 23.5% | 22.3% - 23.5% | 95 | ||||||||
Income Generation Loan (Rural) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.9% - 29.6% | 29.6% - 32.3% | 79 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tameer Sarmaya Qarza (TSQ) | 27.0%-33.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 26% - 31.2% | 26.3% - 31.9% | 95 | ||||||||
Karobar Loan | 23.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 43.1% - 46.1% | 43.9% - 47.4% | 51 | ||||||||
Livestock Financing | 23.0%-30.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 39.3% - 48.5% | 39.7% - 48.9% | 52 | ||||||||
Group Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | 5.0%-10.0% upfront | 40.2% - 42.6% | 44.7% - 49.1% | 47 | ||||||||
House Finance | 19.0%-20.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 33.9% | 34.2% | 56 | ||||||||
Salary Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.9% - 38% | 33.4% - 39.2% | 49 |
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 - Urban | 22.3% - 23.5% | 22.3% - 23.5% | 22.3% - 23.5% | Yes | Yes | Yes | 100 | |||||||
Income Generation Loan (Rural) | 25.8% - 27.9% | 26.9% - 29.6% | 29.6% - 32.3% | Yes | Yes | Yes | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generation Loan - Urban | 22.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 22.3% - 23.5% | 22.3% - 23.5% | 95 | ||||||||
Income Generation Loan (Rural) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.9% - 29.6% | 29.6% - 32.3% | 79 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tameer Sarmaya Qarza (TSQ) | 27.0%-33.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 26% - 31.2% | 26.3% - 31.9% | 95 | ||||||||
Karobar Loan | 23.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 43.1% - 46.1% | 43.9% - 47.4% | 51 | ||||||||
Livestock Financing | 23.0%-30.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 39.3% - 48.5% | 39.7% - 48.9% | 52 | ||||||||
Group Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | 5.0%-10.0% upfront | 40.2% - 42.6% | 44.7% - 49.1% | 47 | ||||||||
House Finance | 19.0%-20.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 33.9% | 34.2% | 56 | ||||||||
Salary Loan | 18.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.9% - 38% | 33.4% - 39.2% | 49 |
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 |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |