2. Yukti
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. BRAC^P
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Yukti Samaj Sewa Society Near Meenakshi ChowkI.T.I. RoadHoshangabad, Madhya Pradesh461001
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution

BRAC PAKISTAN House # 397, Street # 13, Sector # F-10/2, Islamabad,PakistanIslamabad, Capital4600
Data approved: 2015-04-30
Data version: 1
Age of data: 113 months

Product

Small Business Loan Product 2 of 2 « Prev | Next »

Product

Micro Finance Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers1,145
Loan Amount (range)INR 5,000 - 12,000
Loan Term (range)12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method18.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component37.5% - 43.6% (Int+Fee)
Insurance Component1.1% - 1.4%
Tax Component Range0
Full APR (int fee ins tax dep)38.6% - 44.8%
Transparency Index (min/max)40 - 62
Transparency Index (average)43

Product Summary

53,850
PKR 20,000 - 150,000
6 - 12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
22.0% annual, Flat
50.00 upfront
None
None
10.0% upfront
 
28.9% - 38.0%
0.1% - 1.8%
0
0
40.1% - 45.9%
48 - 58
51

Product Details

Key Statistics
Outstanding portfolio (INR)INR 4,957,763
Portfolio (USD)USD 93,542.70
Active Clients with Loans1,145
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
This Loan Product is for Micro level enterprizes.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
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 businessx
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 1,049,017,866
Portfolio (USD)USD 10,301,355.44
Active Clients with Loans53,850
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Provided to poor Household women.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 ActiveBalochistan, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 20,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00040%
PKR 25,000-50,00050%
PKR 50,000-75,0005%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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?No

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan renewal fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
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 paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Small Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 5,000INR 5,000INR 10,000INR 12,000
Loan Cycle (1, 2, 3, etc)1123
Disbursement Date2010-03-252010-03-292010-03-252010-03-29
Loan Term (Months)12.0 months11.2 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component37.5%43.6%41.0%38.9%
Insurance Component1.1%1.3%1.2%1.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)38.6%44.8%42.2%40.0%
MFIN MFI Earning (Annualised)37.5%43.6%41.0%38.9%
MFIN Cost to Borrower (Annualised)38.6%44.8%42.2%40.0%
Transparency Index47404345
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Micro Finance 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 30,000 Real 2015-03-09 12.2 months N/A PKR 6,650 44.7% 37.1% 0.3% 0.0% 0.0% 7.3% 49 PDF PDF
PKR 30,000 Generated 2015-06-01 11.5 months N/A PKR 6,378.77 43.2% 36.1% 0.3% 0.0% 0.0% 6.8% 51 - PDF
PKR 20,000 Real 2015-03-27 12.1 months N/A PKR 4,450 45.9% 38.0% 0.4% 0.0% 0.0% 7.5% 48 PDF PDF
PKR 20,000 Generated 2015-06-01 11.5 months N/A PKR 4,269.18 43.4% 36.1% 0.5% 0.0% 0.0% 6.8% 51 - PDF
PKR 21,000 Generated 2015-06-01 5.5 months N/A PKR 2,176.47 40.1% 33.3% 0.8% 0.0% 0.0% 6.0% 55 - PDF
PKR 22,000 Generated 2015-06-01 11.5 months N/A PKR 4,691.10 43.3% 36.1% 0.5% 0.0% 0.0% 6.7% 51 - PDF
PKR 25,000 Generated 2015-06-01 8.5 months N/A PKR 3,967.81 42.5% 35.4% 0.5% 0.0% 0.0% 6.6% 52 - PDF
PKR 30,000 Generated 2015-06-01 11.5 months N/A PKR 6,378.77 43.2% 36.1% 0.3% 0.0% 0.0% 6.8% 51 - PDF
PKR 40,000 Generated 2015-06-01 11.5 months N/A PKR 8,488.36 43.1% 36.1% 0.3% 0.0% 0.0% 6.7% 51 - PDF
PKR 80,000 Generated 2015-06-01 11.5 months N/A PKR 16,926.71 42.9% 36.1% 0.1% 0.0% 0.0% 6.7% 51 - PDF
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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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X Axis
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