2. GBTI
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COAC SantaAnita
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ghazi Barotha Taraqiati Idara Ghazi Barotha Taraqiati Idara of G.T Road HattianNear Bloom Field Hall School HattianAttock, Punjab43600
Data approved: 2013-11-12
Data version: 1
Age of data: 132 months

Institution

Cooperativa de Ahorro y Credito Santa Anita Imbaubura 8-83 y Vicente RocafuerteCotacachi, Imbabura28034
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers4,633
Loan Amount (range)PKR 5,000 - 32,000
Loan Term (range)12
Other Services (text summary)Group Mtgs, Credit Ins, Tech Asst Visits
Annual Interest & Method28.0% annual, Decl Bal
Fees400.00 upfront
Insurance200.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component27.2% - 27.9%
Fee Component3.1% - 8.0%
Insurance Component1.6% - 4.2%
Tax Component Range0
Full APR (int fee ins tax dep)31.9% - 39.2%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

615
USD 100 - 15,000
1 - 48
Credit Ins, Tech Asst Visits
20.1%-25.0% annual, Decl Bal
4.00% upfront 12.00 upfront
None
None
6.7% upfront
 
N/A
20.3% - 26.9% (Int+Fee)
0 - 11.0%
0
22.5% - 36.2%
0 - N/A
71

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 49,094,720
Portfolio (USD)USD 500,966.53
Active Clients with Loans4,633
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To enable the poor community to increase their house hold income by ehancing or establishing micro enterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveKhyber Pakhtunkwa, Punjab

Product Details

Key Statistics
Outstanding portfolio (USD)USD 777,883.75
Portfolio (USD)USD 777,883.75
Active Clients with Loans615
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Este tipo de credito es destinado a microempresarios de sector rural que se dedican a las actividades agricolas y/o pecuarias en pequena escala, las cuotas se adaptan al flujo de caja de la unidad familiar.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherUsar solo para capital de trabajo
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size32,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
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 term12.0 months
Approx average12.0 months
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 usage100%
Average grace period7 days
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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average18.0 months
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 interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommunity Health Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min200
Fixed amount - max200
Reason for variationN/A
Appears on Repayment Sched?Yes
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 interest20.05%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSeguro de DesgravamenSeguro de Vida y Seguro de Accidentes Personales (prima anual)
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min012
Fixed amount - max012
Reason for variationN/A
Appears on Repayment Sched?NoNo
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?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited6.70%
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 paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Ahorros contínuous: este valor está a disposición del socio, lo que nosotros pretendemos poniéndolo en la tabla de amortización es generar en el socio un hábito de ahorro, pero si el socio no ahorra no tiene ninguna incidencia en el crédito.

Full Pricing Data

Enterprise samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 10,000PKR 15,000PKR 20,000PKR 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-01-222014-02-012014-01-202014-01-22
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months-0.1 months0.0 months0.0 months
Total Cost of CreditPKR 2,147PKR 2,970PKR 3,693PKR 4,465
True Price by Comp       
Interest price component27.2%27.9%27.2%27.2%
Fee Component7.9%5.3%3.9%3.1%
Insurance Component4.1%2.7%2.0%1.6%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.2%35.9%33.1%31.9%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Microagropecuario samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 450USD 1,000USD 2,000USD 4,000USD 6,500USD 10,010
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-04-222010-04-282010-04-062010-04-282010-04-232010-05-04
Loan Term (Months)10.0 months12.0 months24.0 months36.0 months36.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component26.8%26.9%26.9%23.9%23.8%20.3%
Insurance Component5.7%2.4%0.7%0.3%0.0%0.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component3.6%3.3%3.0%2.5%1.6%2.0%
Full APR (int fee ins tax dep)36.2%32.5%30.6%26.6%25.5%22.5%
Transparency Index556266757989
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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X Axis
Greater than:
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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