Jinnah Welfare Society - Micro Credit (MC) - MFTransparency.org Truth In Lending Tables

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Institution

Jinnah Welfare Society 11 - Jinnah Road, Link DC RoadGujranwala, Punjab52250

Data approved: 2015-06-12

Data version: 2

Age of data: 113 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 571,893,408
Portfolio (USD)	USD 5,615,993.27
Active Clients with Loans	35,000
Approximate % Female Clients	100%
Approximate % Urban Clients	40% - 60%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

To improve small scaled businesses i.e.commerce, petty trading, handicraft, manufacturing & services etc

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance	x
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
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 institution	1
# Regions for this product	1
Regions Active	Punjab

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 20,000
Maximum loan size	50,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	20%
PKR 25,000-50,000	80%
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

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

Upfront Fees

	Fee 1
Description	processing fee and clients death insurance fee
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Micro Credit (MC) 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
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 40,000	Real	2015-04-20	12.0 months	N/A	PKR 9,200	40.4%	34.5%	5.9%	0.0%	0.0%	0.0%	49	PDF	PDF
PKR 40,000	Generated	2015-06-01	12.0 months	N/A	PKR 9,221.92	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 45,000	Real	2015-04-20	12.0 months	N/A	PKR 10,350	40.4%	34.5%	5.9%	0.0%	0.0%	0.0%	49	PDF	PDF
PKR 45,000	Generated	2015-06-01	12.0 months	N/A	PKR 10,374.66	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 20,000	Generated	2015-06-01	12.0 months	N/A	PKR 4,610.96	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 25,000	Generated	2015-06-01	12.0 months	N/A	PKR 5,763.70	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 30,000	Generated	2015-06-01	12.0 months	N/A	PKR 6,916.44	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 35,000	Generated	2015-06-01	12.0 months	N/A	PKR 8,069.18	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 40,000	Generated	2015-06-01	12.0 months	N/A	PKR 9,221.92	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF
PKR 50,000	Generated	2015-06-01	12.0 months	N/A	PKR 11,527.40	40.5%	34.6%	5.9%	0.0%	0.0%	0.0%	49	-	PDF

Micro Credit (MC) Price Graphs

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	139
AMPL	0	0	0	139
Arman	41,500	529,107,000	1	139
Arohan	43,500	8,091,000	2	139
ASA INDIA	164,000	15,380,000	1	139
Asirvad	113,500	19,328,000	1	139
Asmitha	1,114,800	217,867,000	1	139
Bandhan	4,048,600	674,564,000	5	139
Belstar	123,000	23,945,000	2	117
BSFL	275,200	31,590,000	3	139
Chaitanya	20,700	3,748,000	3	139
Disha Microfin	69,000	14,332,000	2	139
Equitas	1,220,000	186,415,000	4	139
ESAF	354,200	43,500,000	5	139
FFSL	150,600	35,719,000	2	139
Fusion	66,800	9,820,000	2	139
Grama Vidiyal	738,200	102,101,000	1	139
Grameen Koota	586,600	83,555,000	15	141
Janalakshmi	506,000	119,077,000	2	139
L & T Finance	399,800	37,199,000	1	139
MFL	331,800	49,083,000	1	139
MMFL	175,000	23,752,000	2	139
Mpower	13,600	2,263,000	2	139
Sahayata	0	0	0	139
Saija	24,700	4,682,000	2	139
Samasta	45,500	4,809,000	2	139
Satin	405,600	90,174,000	2	139
SCCI	115,600	15,910,000	2	139
Share	2,195,400	376,727,000	1	139
SKS	3,409,000	355,029,000	2	139
SMILE	360,200	56,927,000	1	139
SNFL	9,400	1,779,000	1	139
Sonata Finance	158,200	22,724,000	3	141
Spandana	533,400	147,240,000	2	139
Suryoday	78,600	14,713,000	3	139
SVCL	118,200	18,886,000	1	139
Swadhaar	92,800	17,166,000	3	139
Trident	68,700	8,852,000	1	139
Ujjivan	913,300	160,848,000	5	139
Utkarsh	168,600	25,915,000	3	139
VFS	175,400	19,264,000	2	139
Asomi	50,300	4,743,000	2	171
AES India	3,600	286,000	1	171
Arth	2,900	611,000	2	171
Asomi	50,300	4,743,000	2	171
Barasat GS	1,100	99,508.02	1	171
BJS	6,000	468,000	1	171
Cashpor	417,000	50,452,000	1	170
Credible	10,000	1,669,540.36	2	171
DIBAKAR	1,800	145,000	1	170
GOF	65,200	5,388,000	4	170
Hope	62,600	4,407,000	1	168
Jaago	2,700	237,000	1	169
LOK	4,900	573,000	1	170
Nano	25,600	3,660,000	2	171
NBSAAVS	28,100	2,821,000	1	168
Nirantara	8,200	917,000	2	170
Parama	7,100	482,000	1	170
Pragathi	26,200	4,579,000	6	170
PWMACS	36,500	5,946,000	1	170
Saadhana	90,900	12,046,000	2	170
Sambhav	1,500	183,000	3	170
Seba Rahara	6,700	468,000	1	170
SU	61,100	5,498,000	1	170
Swayanshree	7,900	918,000	2	170
Vikas Samiti	1,600	168,000	1	170
Vistaar	4,300	1,157,000	2	168
We The People	1,100	244,000	2	170
WEMCS	1,100	85,000	1	170
Yukti	1,100	99,000	2	170

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Micro Credit (MC) samples

Micro Credit (MC) Price Graphs

Total Borrowers of Samples

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