2. JWS
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

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 Loans35,000
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
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 generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
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 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
Descriptionprocessing fee and clients death insurance fee
% of loan amount - min3.00%
% of loan amount - max3.00%
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

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
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
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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  2. Yukti
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

Yukti Samaj Sewa Society Near Meenakshi ChowkI.T.I. RoadHoshangabad, Madhya Pradesh461001
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionSanja Tiwari
Regions active
# Branches1

Total Portfolio (nat'l)INR 20,329,000
Total Portfolio (USD)USD 383,566.04
Active clients with loans1,539
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Loan Products » Summary

Small Busin
1,145 Borrowers
USD 93,542.70 Portfolio
Active Product
Agriculture
35 Borrowers
USD 5,567.55 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Small Business Loan INR 5,000 - 12,000 12 80% - 100% 40% - 60% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan INR 5,000 - 12,000 6 80% - 100% 0% - 20% Business, Can ONLY be used for working capital Women, Agricutual needs and working capital Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Small Business Loan 0% 37.5% - 43.6% 38.6% - 44.8% N/A
Agricultural Loan 0% 27.6% - 27.9% 29% - 29.3% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Small Business Loan 18.0% annual, Flat 0 Fees 0 Ins None N/A 37.5% - 43.6% 38.6% - 44.8% 43
Agricultural Loan 18.0% annual, Flat 0 Fees 0 Ins None N/A 27.6% - 27.9% 29% - 29.3% 61
Institution Price Graph
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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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