| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.cscpk.org |
| Year established | 1989 |
| Head of Institution | Shaista Jan |
| Regions active | Punjab |
| # Branches | 16 |
| Total Portfolio (nat'l) | PKR 320,525,436 |
| Total Portfolio (USD) | USD 3,147,559.78 |
| Active clients with loans | 17,625 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://kmfbank.com |
| Year established | 2008 |
| Head of Institution | Muhammad Mudassar Aqil |
| Regions active | Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 46 |
| Total Portfolio (nat'l) | PKR 1,388,650,665 |
| Total Portfolio (USD) | USD 14,169,904.74 |
| Active clients with loans | 27,313 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | FINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microloan | PKR 15,000 - 100,000 | 12 - 18 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Kamyab Karobari Karza | PKR 35,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, If >100,000, condition of owned home or business premises | Credit Educ, Credit Ins | |||||||
| Kashf Sunehri Karza | PKR 25,000 - 150,000 | 3 - 24 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
| Kashf Zarai Karza | PKR 35,000 - 150,000 | 3 - 9 | 0% - 20% | 0% - 20% | Agriculture | Women, Men | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microloan | 20.0% annual, Flat | 1 Fee | 0 | None | N/A | 42.6% - 43.1% | 42.6% - 43.1% | 46 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Kamyab Karobari Karza | 25.0%-30.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 47.4% - 54.9% | 50.5% - 58.6% | N/A | ||||||||
| Kashf Sunehri Karza | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 50.5% | 46.4% - 54.5% | N/A | ||||||||
| Kashf Zarai Karza | 27.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 27.3% - 31% | 29.6% - 35.3% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microloan | 20.0% annual, Flat | 1 Fee | 0 | None | N/A | 42.6% - 43.1% | 42.6% - 43.1% | 46 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Kamyab Karobari Karza | 25.0%-30.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 47.4% - 54.9% | 50.5% - 58.6% | N/A | ||||||||
| Kashf Sunehri Karza | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 50.5% | 46.4% - 54.5% | N/A | ||||||||
| Kashf Zarai Karza | 27.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 27.3% - 31% | 29.6% - 35.3% | N/A |
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