2. ASA
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ASA Pakistan Ltd. T-61, Block-6, PECHS,Karachi, Sindh Pakistan
Data approved: 2015-04-13
Data version: 2
Age of data: 113 months
Choose version

Institution Details

Institution TypeOther
Is this institution regulated?Yes
Website addresshttp://www.asapakistan.com
Year established2008
Head of InstitutionMd. Mosharrof Hossain
Regions activePunjab, Sindh
# Branches180

Total Portfolio (nat'l)PKR 3,018,099,519
Total Portfolio (USD)USD 29,637,737.28
Active clients with loans230,488
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network
FundersASA International Holding, Pakistan Poverty Alleviation Fund

Loan Products » Summary

Small
227,880 Borrowers
USD 28,760,639.77 Portfolio
Active Product
Business
2,273 Borrowers
USD 674,222.82 Portfolio
Active Product
SME
335 Borrowers
USD 202,874.69 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Small Loan PKR 17,000 - 49,000 11 100% 40% - 60% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Small Business Loan PKR 50,000 - 99,000 11 0% - 20% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Small & Medium Enterprise PKR 100,000 - 200,000 11 - 17 0% 40% - 60% Business Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Small Loan 43.7% annual, Decl Bal 0 Fees 0 Ins None N/A 43% 43% 100
Small Business Loan 43.7% annual, Decl Bal 0 Fees 0 Ins None N/A 43% 43% 100
Small & Medium Enterprise 42.4%-43.7% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Institution Price Graph
Click to view Price Analysis Tool
  2. Grameen Koota
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062
Data approved: 2013-05-14
Data version: 3
Age of data: 141 months
Choose version
  • No previous version for this product.

Product

Medical Loan Product 19 of 23 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 452,432
Portfolio (USD)USD 8,536.45
Active Clients with Loans271
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is a product in Social Welfare category. To meet medical expenses
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
OtherFor meeting medical expenses
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
OtherJagruthi- Client Education Series
Other (2)Socio-Economic Development Workshop
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveKarnataka, Maharashtra, Tamil Nadu

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 500
Maximum loan size2,000
Distribution at Disbursement (Est.)
Loans less than INR 5,000100%
INR 5,000-15,0000
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term5.6 months
Longest loan term5.6 months
Approx average5.6 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.2 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
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 - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/a
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fees
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max31
Reason for variationPremium For Member (In case the member has no spouse or if spouse is not eligible for coverage, only member should be covered under the scheme)-Rs 10, Premium for member and spouse-Rs 31
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?Yes
Percentage of fees12.4%
All or some fees taxedSome
Additional Comments
Moratorium Period (Repayment Holiday) - one installment for principal only

Full Pricing Data

Medical Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 2,000INR 2,000INR 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-092013-04-092013-04-09
Loan Term (Months)5.6 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditINR 165.47INR 165.47INR 165.47
True Price by Comp     
Interest price component22.2%22.2%22.2%
Fee Component4.2%4.2%4.2%
Insurance Component6.5%6.5%6.5%
Tax Component0.5%0.5%0.5%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.4%33.4%33.4%
MFIN MFI Earning (Annualised)26.4%26.4%26.4%
MFIN Cost to Borrower (Annualised)33.4%33.4%33.4%
Transparency Index666666
MFIN Transparency Index999999
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Medical Loan Price Graphs


Click to view Price Analysis Tool
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞