| Number borrowers | 9,912 |
| Loan Amount (range) | PKR 15,000 - 75,000 |
| Loan Term (range) | 12 |
| Other Services (text summary) | Group Mtgs, Credit Ins |
| Annual Interest & Method | 20.0% annual, Flat |
| Fees | 5.00% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | 5.0% upfront |
| Range of pricing | |
| Interest Price Component | 34.4% - 34.6% |
| Fee Component | 10.0% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 48.9% |
| Transparency Index (min/max) | 36 - 41 |
| Transparency Index (average) | 41 |
| Outstanding portfolio (PKR) | PKR 146,739,083 |
| Portfolio (USD) | USD 1,440,977.80 |
| Active Clients with Loans | 9,912 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | x |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| 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 | x |
| Other | |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Punjab |
| Currency | PKR |
| Minimum loan size | PKR 15,000 |
| Maximum loan size | 75,000 |
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 60% |
| PKR 25,000-50,000 | 30% |
| PKR 50,000-75,000 | 10% |
| PKR 75,000-150,000 | 0 |
| Greater than PKR 150,000 | 0 |
| Shortest loan term | 12.0 months |
| Longest loan term | 12.0 months |
| Approx average | 12.0 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 | 0 |
| Average grace period | 0 |
| 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 | 20.00% |
| Highest quoted nominal interest | 20.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Processing Fee |
| % of loan amount - min | 5.00% |
| % of loan amount - max | 5.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 5.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 10.00% |
| Maximum interest rate paid | 10.00% |
| Interest payment frequency | Monthly |
| 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 15,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 3,758.22 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 18,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 4,509.86 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 20,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 5,010.96 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 23,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 5,762.60 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 25,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 6,263.70 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 35,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 8,769.18 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 45,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 11,274.66 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| PKR 65,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 16,285.62 | 48.9% | 34.6% | 10.0% | 0.0% | 0.0% | 4.3% | 41 | - | |
| Key Statistics | |
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| # Samples: | |
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| # Borrowers | |
| 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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