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% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
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) |
# Regions for this institution | 3 |
# Regions for this product | 2 |
Regions Active | Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 150,000 |
Maximum loan size | 500,000 |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 9.0 months |
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 usage | 100% |
Average grace period | 1.0 month |
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 |
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 |
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 |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - | |
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 | - |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.anjalimfi.com/ |
Year established | 1996 |
Head of Institution | John Mayne |
Regions active | Assam, Bihar |
# Branches | 11 |
Total Portfolio (nat'l) | INR 22,090,000 |
Total Portfolio (USD) | USD 416,792.45 |
Active clients with loans | 5,251 |
Approximate % female clients | 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | MFIN, AMFI, SMART Campaign, MFTransparency |
Key Statistics | |
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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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