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.vdopak.org |
Year established | 1993 |
Head of Institution | Muhammad Rafique Talpur |
Regions active | Sindh |
# Branches | 2 |
Total Portfolio (nat'l) | PKR 47,938,384 |
Total Portfolio (USD) | USD 489,167.18 |
Active clients with loans | 3,912 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MON-PAK, SMN, STOP TB Partnership, CERISE Certified |
Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT |
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 Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group, Must have relevant (enterpise/business) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure visit | |||||||
Agriculture Loan | PKR 5,000 - 30,000 | 6 - 9 | 20% - 40% | 0% | Business, Agriculture | Women, Men, Specific age group, Must have relevant (agriculture/farming) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit | |||||||
Live Stock Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Specific age group, Must have relevant (livestock) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit |
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 Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
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 Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
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