BRAC PAKISTAN - Small Enterpirise Programme (SEP) - MFTransparency.org Truth In Lending Tables

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Institution

BRAC PAKISTAN House # 397, Street # 13, Sector # F-10/2, Islamabad,PakistanIslamabad, Capital4600

Data approved: 2015-04-30

Data version: 1

Age of data: 114 months

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Product

Small Enterpirise Programme (SEP) Product 2 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 115,226,183
Portfolio (USD)	USD 1,131,521.12
Active Clients with Loans	1,204
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Provided to small enterpreneur to expand their business and employment creat.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	3
# Regions for this product	2
Regions Active	Punjab, Sindh

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 150,000
Maximum loan size	500,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	9.0 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	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	1.0 month

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	22.00%
Highest quoted nominal interest	22.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Evaluation fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing 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

Are taxes charged on this product?

Full Pricing Data

Small Enterpirise Programme (SEP) samples

Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	True Price by Component					Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 150,000	Generated	2015-06-01	11.9 months	N/A	PKR 34,319.18	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 175,000	Generated	2015-06-01	11.9 months	N/A	PKR 40,039.04	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 200,000	Generated	2015-06-01	11.9 months	N/A	PKR 45,758.90	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 250,000	Generated	2015-06-01	11.9 months	N/A	PKR 57,198.63	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 275,000	Generated	2015-06-01	11.9 months	N/A	PKR 62,918.49	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 300,000	Generated	2015-06-01	11.9 months	N/A	PKR 68,638.36	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 350,000	Generated	2015-06-01	11.9 months	N/A	PKR 80,078.08	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF
PKR 450,000	Generated	2015-06-01	11.9 months	N/A	PKR 102,957.53	43.8%	34.8%	1.8%	0.0%	0.0%	7.2%	50	-	PDF

Small Enterpirise Programme (SEP) Price Graphs

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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

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Total Borrrowers of Samples


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