2. BRAC^P
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
  2. COAC San José
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 113 months

Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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

Product

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Product Summary

Number borrowers1,204
Loan Amount (range)PKR 150,000 - 500,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method22.0% annual, Flat
Fees1.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component28.9% - 38.0%
Fee Component0.1% - 1.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)43.8%
Transparency Index (min/max)48 - 58
Transparency Index (average)50

Product Summary

2,724
USD 100 - 20,000
3 - 84
Credit Ins
12.9% annual, Decl Bal
3.00% ongoing
None
None
1.00% ongoing 2.00 ongoing
 
N/A
13.1% (Int+Fee)
0 - 0.4%
0
13.6% - 13.8%
84 - 95
94

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 115,226,183
Portfolio (USD)USD 1,131,521.12
Active Clients with Loans1,204
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
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 generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution3
# Regions for this product2
Regions ActivePunjab, Sindh

Product Details

Key Statistics
Outstanding portfolio (USD)USD 12,223,241.28
Portfolio (USD)USD 12,223,241.28
Active Clients with Loans2,724
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Son créditos cuya fuente de repago son las remuneracios o ingresos permanenentes
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 150,000
Maximum loan size500,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term84.0 months
Approx average30.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
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 MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionEvaluation 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?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 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?No

Pricing Information

Interest
Lowest quoted nominal interest12.90%
Highest quoted nominal interest12.90%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount depositedUSD 2
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

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
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
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

Full Pricing Data

Consumo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 1,000USD 2,000USD 4,000USD 8,000USD 11,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-012010-06-012010-05-172010-06-042010-05-212010-06-01
Loan Term (Months)4.0 months12.0 months24.0 months24.0 months18.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component13.1%13.1%13.1%13.1%13.1%13.1%
Insurance Component0.4%0.4%0.4%0.4%0.4%0.4%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.2%0.3%0.3%0.2%0.1%0.1%
Full APR (int fee ins tax dep)13.7%13.8%13.8%13.7%13.6%13.6%
Transparency Index949494949595
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Small Enterpirise Programme (SEP) Price Graphs


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Consumo 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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By Country

Total Borrowers of Samples

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