2. CSC
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. CCODE
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Community Support Concern 319-4/D-1, Green TownLahore, Punjab54770
Data approved: 2015-06-11
Data version: 2
Age of data: 113 months
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Institution

The Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 143 months
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Product

Microloan Product 1 of 1 « Prev | Next »

Product

Business Loan Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers17,625
Loan Amount (range)PKR 15,000 - 100,000
Loan Term (range)12 - 18
Other Services (text summary)Credit Ins
Annual Interest & Method20.0% annual, Flat
Fees4.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component34.6% - 35.0%
Fee Component8.0% - 8.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)42.6% - 43.1%
Transparency Index (min/max)46 - 47
Transparency Index (average)46

Product Summary

139
MWK 10,000 - 10,000
6
Business Training
24.00% annual, Decl Bal
None
None
None
10.00% upfront
 
10.9% - 16.8%
0
0
0
16.8%
109 - 143
100

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 320,525,436
Portfolio (USD)USD 3,147,559.78
Active Clients with Loans17,625
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro Loan ranges from PKR 15000 to PKR 100000, Group lending methodology is adopted, loan is given to old as well as new customers.
Loan Purpose
Any purpose
Income generationx
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 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 institution1
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (MWK)MWK 926,536
Portfolio (USD)USD 2,375.73
Active Clients with Loans139
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Business loans are small loans learnt to poor communities meant for small scale businesses. The loans taken to add capital to existing businesses or start a new business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCan only be used for working capital
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
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 worker
Must be specific age group
OtherMust be a member of the Malawi Homeless People's Federation.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution17
# Regions for this product2
Regions ActiveLilongwe, Chikwawa

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00040%
PKR 25,000-50,00060%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term18.0 months
Approx averageDK
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 usage0
Average grace period0
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
CurrencyMWK
Minimum loan sizeMWK 10,000
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than MWK 50,000100%
MWK 50,000-150,0000
MWK 150,000-250,0000
MWK 250,000-350,0000
MWK 350,000-450,0000
Greater than MWK 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
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?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Client pays 10% cash deposit on the day they sign a loan contract. This cash is repaid to the client on the loan disbursement day.

Full Pricing Data

Microloan 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 30,000 Real 2015-04-21 12.0 months N/A PKR 7,200 43.1% 35.0% 8.1% 0.0% 0.0% 0.0% 46 PDF PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 7,216.44 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 40,000 Real 2015-04-21 12.0 months N/A PKR 9,600 43.1% 35.0% 8.1% 0.0% 0.0% 0.0% 46 PDF PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,621.92 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 15,000 Generated 2015-06-01 12.0 months N/A PKR 3,608.22 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 6,013.70 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 7,216.44 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 8,419.18 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 10,824.66 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 12,027.40 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountMWK 10,000MWK 10,000MWK 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-04-012012-03-012012-03-01
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)-1.0 months-1.0 months-1.0 months
Total Cost of CreditMWK 451.38MWK 451.38MWK 451.38
True Price by Comp     
Interest price component16.8%16.8%16.8%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)16.8%16.8%16.8%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
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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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