| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.brac.net |
| Year established | 2007 |
| Head of Institution | Muzaffar Ud Din |
| Regions active | Balochistan, Punjab, Sindh |
| # Branches | 68 |
| Total Portfolio (nat'l) | PKR 1,208,660,663 |
| Total Portfolio (USD) | USD 11,869,047.71 |
| Active clients with loans | 57,376 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network, Micro Watch, Mix Market |
| Funders | Pakistan Poverty Allivation Fund (PPAF), KIVA |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://www.coacsantaanita.com/ |
| Year established | 2001 |
| Head of Institution | Edison Caicedo |
| Regions active | |
| # Branches | 4 |
| Total Portfolio (nat'l) | USD 2,536,758 |
| Total Portfolio (USD) | USD 2,536,758 |
| Active clients with loans | 2,047 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Red Financiera Rural, Ucacnor, Fecoac |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Finance | PKR 20,000 - 150,000 | 6 - 12 | 100% | 40% - 60% | Business, Agriculture | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
| Small Enterpirise Programme (SEP) | PKR 150,000 - 500,000 | 6 - 12 | 0% - 20% | 80% - 100% | Business, Agriculture | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
| Agriculture | PKR 20,000 - 150,000 | 6 - 12 | 0% | 0% - 20% | Agriculture | Men | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 100 - 15,000 | 1 - 48 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Ins, Tech Asst Visits | |||||||
| Microagropecuario | USD 100 - 15,000 | 1 - 48 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men | Credit Ins, Tech Asst Visits | |||||||
| Microempresarial | USD 100 - 15,000 | 1 - 49 | 40% - 60% | 20% - 40% | Business | Women, Men, Tener calificacion hasta B en central de riesgos o buro de credito | Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Finance | 22.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront | 34.1% - 38.4% | 40.1% - 45.9% | 51 | ||||||||
| Small Enterpirise Programme (SEP) | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 36.6% | 43.8% | 50 | ||||||||
| Agriculture | 20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 29.4% - 32.3% | 34.2% - 38.1% | 53 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Finance | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 34.1% - 38.4% | 40.1% - 45.9% | 51 | ||||||||
| Small Enterpirise Programme (SEP) | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 36.6% | 43.8% | 50 | ||||||||
| Agriculture | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 29.4% - 32.3% | 34.2% - 38.1% | 53 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 13.8% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00% ongoing | 14% - 15.2% | 15.6% - 22% | 77 | ||||||||
| Microagropecuario | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront | 20.3% - 26.9% | 22.5% - 36.2% | 71 | ||||||||
| Microempresarial | 20.1%-25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 6.7% upfront 5.00 ongoing | 18.8% - 26.9% | 20.7% - 41.2% | 69 |
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