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Institution
Data approved: 2015-04-13
Data version: 2
Age of data: 115 months
Key Statistics
| Outstanding portfolio (PKR) | PKR 20,659,337 |
| Portfolio (USD) | USD 202,874.69 |
| Active Clients with Loans | 335 |
| Approximate % Female Clients | 0 |
| Approximate % Urban Clients | 40% - 60% |
Methodology
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other | |
Description
Small & Medium Enterprise for shops. Loan from 100 to 130 K. Succeeding loan Increment Rs. 25 K
Loan Purpose
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) | |
Included Services
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
Eligibility
| Men | x |
| Women | |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) | |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | 2 |
| # Regions for this product | 2 |
| Regions Active | Punjab, Sindh |
Loan Conditions
Loan Amount
| Currency | PKR |
| Minimum loan size | PKR 100,000 |
| Maximum loan size | 200,000 |
Distribution at Disbursement (Est.)
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 0 |
| PKR 25,000-50,000 | 0 |
| PKR 50,000-75,000 | 0 |
| PKR 75,000-150,000 | 100% |
| Greater than PKR 150,000 | 100% |
Loan Term and Grace Period
| Shortest loan term | 11.0 months |
| Longest loan term | 17.0 months |
| Approx average | 13.0 months |
Distribution at Disbursement (Est.)
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 90% |
| Between 13 and 18 months | 10% |
| Longer than 18 months | 0 |
Grace Period
| Grace period usage | 0 |
| Average grace period | N/A |
Repayment Frequency
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | x |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments | |
Pricing Information
Interest
| Lowest quoted nominal interest | 42.37% |
| Highest quoted nominal interest | 43.74% |
| Reason(s) why interest rate varies | Time as Client |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
This product has no ongoing feesUpfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
| Required for | Never |
| Criteria | N/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 deposited | N/A |
| or, Fixed-amount deposited | N/A |
Deposits DURING period payments
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
Interest Paid on Deposit
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
Taxes
| Are taxes charged on this product? | No |
Full Pricing Data
Small & Medium Enterprise samples
No sample data for this product
Small & Medium Enterprise Price Graphs
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