2. CCODE
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  2. GBTI
Please note that the information you are viewing is 131 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 Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 142 months
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Institution

Ghazi Barotha Taraqiati Idara Ghazi Barotha Taraqiati Idara of G.T Road HattianNear Bloom Field Hall School HattianAttock, Punjab43600
Data approved: 2013-11-12
Data version: 1
Age of data: 131 months

Product

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Product

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Product Summary

4,633
PKR 5,000 - 32,000
12
Group Mtgs, Credit Ins, Tech Asst Visits
28.0% annual, Decl Bal
400.00 upfront
200.00 upfront
None
N/A
 
27.2% - 27.9%
3.1% - 8.0%
1.6% - 4.2%
0
31.9% - 39.2%
0 - N/A
N/A

This institution provided data on this product on 2011-01-06 and the product was no longer active when they submitted data on 2012-12-04.

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 49,094,720
Portfolio (USD)USD 500,966.53
Active Clients with Loans4,633
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To enable the poor community to increase their house hold income by ehancing or establishing micro enterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveKhyber Pakhtunkwa, Punjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size32,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
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 usage100%
Average grace period7 days
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 interest28.00%
Highest quoted nominal interest28.00%
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 - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommunity Health Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min200
Fixed amount - max200
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?No

Full Pricing Data

Enterprise samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 10,000PKR 15,000PKR 20,000PKR 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-222014-02-012014-01-202014-01-22
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months0.0 months0.0 months
Total Cost of CreditPKR 2,147PKR 2,970PKR 3,693PKR 4,465
True Price by Comp       
Interest price component27.2%27.9%27.2%27.2%
Fee Component7.9%5.3%3.9%3.1%
Insurance Component4.1%2.7%2.0%1.6%
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)39.2%35.9%33.1%31.9%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Enterprise Price Graphs


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Key Statistics
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# 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:
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