Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001143
AMPL000143
Arman41,500529,107,0001143
Arohan43,5008,091,0002143
ASA INDIA164,00015,380,0001143
Asirvad113,50019,328,0001143
Asmitha1,114,800217,867,0001143
Bandhan4,048,600674,564,0005143
Belstar123,00023,945,0002122
BSFL275,20031,590,0003143
Chaitanya20,7003,748,0003143
Disha Microfin69,00014,332,0002143
Equitas1,220,000186,415,0004143
ESAF354,20043,500,0005143
FFSL150,60035,719,0002143
Fusion66,8009,820,0002143
Grama Vidiyal738,200102,101,0001143
Grameen Koota586,60083,555,00015145
Janalakshmi506,000119,077,0002143
L & T Finance399,80037,199,0001143
MFL331,80049,083,0001143
MMFL175,00023,752,0002143
Mpower13,6002,263,0002143
Sahayata000143
Saija24,7004,682,0002143
Samasta45,5004,809,0002143
Satin405,60090,174,0002143
SCCI115,60015,910,0002143
Share2,195,400376,727,0001143
SKS3,409,000355,029,0002143
SMILE360,20056,927,0001143
SNFL9,4001,779,0001143
Sonata Finance158,20022,724,0003145
Spandana533,400147,240,0002143
Suryoday78,60014,713,0003143
SVCL118,20018,886,0001143
Swadhaar92,80017,166,0003143
Trident68,7008,852,0001143
Ujjivan913,300160,848,0005143
Utkarsh168,60025,915,0003143
VFS175,40019,264,0002143
Asomi50,3004,743,0002175
AES India3,600286,0001175
Arth2,900611,0002175
Asomi50,3004,743,0002175
Barasat GS1,10099,508.021175
BJS6,000468,0001175
Cashpor417,00050,452,0001174
Credible10,0001,669,540.362175
DIBAKAR1,800145,0001174
GOF65,2005,388,0004174
Hope62,6004,407,0001172
Jaago2,700237,0001173
LOK4,900573,0001174
Nano25,6003,660,0002175
NBSAAVS28,1002,821,0001172
Nirantara8,200917,0002174
Parama7,100482,0001174
Pragathi26,2004,579,0006174
PWMACS36,5005,946,0001174
Saadhana90,90012,046,0002174
Sambhav1,500183,0003174
Seba Rahara6,700468,0001174
SU61,1005,498,0001174
Swayanshree7,900918,0002174
Vikas Samiti1,600168,0001174
Vistaar4,3001,157,0002172
We The People1,100244,0002174
WEMCS1,10085,0001174
Yukti1,10099,0002174
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 136 months

Product

General Purpose Finance Product 5 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 13,499,330
Portfolio (USD)USD 137,748.27
Active Clients with Loans494
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Description
Financing facility for General Purposes like health needs, education, etc.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 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 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.40%
Reason(s) why interest rate variesBranch, Loan Repayment Type (Bullet and Installment)
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionloan processing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min638
Fixed amount - max638
Reason for variationFee is fixed. Insurance fee is part of processing fee
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 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

General Purpose Finance samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 20,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-232013-04-252013-07-30
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.0 months0.2 months
Total Cost of CreditPKR 3,237PKR 4,246PKR 13,640
True Price by Comp     
Interest price component26.0%31.3%26.0%
Fee Component8.6%6.3%1.6%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.6%37.6%27.6%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
General Purpose Finance Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeEducationLoan PurposeFMFBInstitutionPK-028-V01-P05ProductPKCountry2013YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 20010010Number of Borrowers
Caps / Zoom options
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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Total Borrrowers of Samples
Avg
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Std Dev
By Inst Type
By Country

Total Borrowers of Samples

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