Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2003 |
Head of Institution | Siku Nkhoma |
Regions active | Dedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje |
# Branches | 1 |
Total Portfolio (nat'l) | MWK 250,550,466.50 |
Total Portfolio (USD) | USD 642,437.09 |
Active clients with loans | 2,351 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Slum Dwellers International, MAMN, Malawi Homeless People's Federation |
Funders | Slum Dwellers International, Homeless International, African Development Bank, WASTE |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.thardeep.org |
Year established | 1998 |
Head of Institution | Ms. Parsa Pathani |
Regions active | Sindh |
# Branches | 151 |
Total Portfolio (nat'l) | PKR 1,407,060,752 |
Total Portfolio (USD) | USD 13,817,336.58 |
Active clients with loans | 100,001 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | MWK 10,000 - 10,000 | 6 | 80% - 100% | 80% - 100% | Business, Can only be used for working capital | Women, Men, Must be a member of the Malawi Homeless People's Federation. | Business Training | |||||||
Home Improvement Loan | MWK 20,000 - 20,000 | 24 | 80% - 100% | 80% - 100% | Housing | Women, Men, Must be a member of the Malawi Homeless People's Federation | ||||||||
Sanitation Loan | MWK 40,000 - 100,000 | 24 | 80% - 100% | 80% - 100% | Sanitation | Women, Men, Residents from the peri urban areas | ||||||||
Water Loan | MWK 18,000 - 120,000 | 24 | 60% - 80% | 80% - 100% | water supply | Women, Men, Residents from the peri urban areas |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | PKR 5,000 - 100,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
Livestock Loans | PKR 5,000 - 70,000 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Livestock | Women, Men, must have livestock or want to purchase livestock | Credit Educ, Business Training | |||||||
Agriculture Loans | PKR 5,000 - 40,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Men, Have home or land | Credit Educ |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 16.8% | 16.8% | 100 | ||||||||
Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
Water Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% - 11% | 10.9% - 11% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 16.8% | 16.8% | 100 | ||||||||
Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
Water Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% - 11% | 10.9% - 11% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
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