| Number borrowers | 1,204 |
| 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 & Method | 22.0% annual, Flat |
| Fees | 1.00% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 28.9% - 38.0% |
| Fee Component | 0.1% - 1.8% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 43.8% |
| Transparency Index (min/max) | 48 - 58 |
| Transparency Index (average) | 50 |
| 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 | - | |
| Key Statistics | |
|---|---|
| # Samples: | |
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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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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