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. 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

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

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
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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

8,301
INR 1,000 - 1,000
2.56 - 2.79
Credit Educ, Group Mtgs, Jagruthi- Client Education Series, Socio-Economic Development Workshop
24.0% annual, Decl Bal
1.00% upfront
None
12.36% fees
N/A
 
21.8% - 34.0%
1.1% - 11.6%
0 - 16.6%
0.1% - 1.5%
33.9%
51 - 92
71

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 (INR)INR 7,750,900
Portfolio (USD)USD 146,243.40
Active Clients with Loans8,301
Approximate % Female Clients100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is a product in Livelihood improvement category. For Pension Fund Investment
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor Pension fund Investment for future saving
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
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
OtherMember must have running IGL Pragati/ Pragati Plus / Water or Sanitation loans
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product1
Regions ActiveKarnataka

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
CurrencyINR
Minimum loan sizeINR 1,000
Maximum loan size1,000
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 term2.6 months
Longest loan term2.8 months
Approx average2.7 months
Distribution at Disbursement (Est.)
Loans 3 months or less100%
Between 4 and 6 months0
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 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 interest24.00%
Highest quoted nominal interest24.00%
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
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?Yes
Percentage of fees12.4%
All or some fees taxedSome
Additional Comments
For this product interest is taken up-front along with processing fees. Moratorium Period (Repayment Holiday) - one installment for principal only

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

Swavalamban Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 1,000INR 1,000INR 1,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-182013-04-172013-03-21
Loan Term (Months)2.6 months2.6 months2.6 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditINR 41.24INR 41.24INR 41.24
True Price by Comp     
Interest price component24.5%24.5%24.5%
Fee Component8.4%8.4%8.4%
Insurance Component0.0%0.0%0.0%
Tax Component1.0%1.0%1.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.9%33.9%33.9%
MFIN MFI Earning (Annualised)32.9%32.9%32.9%
MFIN Cost to Borrower (Annualised)33.9%33.9%33.9%
Transparency Index717171
MFIN Transparency Index989898
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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