2. KBL
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

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 113 months
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Product

Khushhali Karza - EMI (Group Based Lending) Product 2 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 1,120,243,405
Portfolio (USD)USD 11,000,790.24
Active Clients with Loans82,054
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Khushhali Karza-EMI ( Group Based Lending)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00080%
PKR 25,000-50,00020%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
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 interest31.00%
Highest quoted nominal interest31.00%
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 - min800
Fixed amount - max1,000
Reason for variationLoan =<PKR 30,000= 800, > 30,000 and = 50,000 = 1000
Appears on Repayment Sched?No
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Khushhali Karza - EMI (Group Based Lending) 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 15,000 Generated 2015-06-01 9.0 months N/A PKR 2,938.15 46.6% 30.6% 13.7% 0.0% 2.3% 0.0% 67 - PDF
PKR 18,000 Generated 2015-06-01 12.0 months N/A PKR 4,099.58 40.9% 30.6% 8.9% 0.0% 1.4% 0.0% 76 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 4,451.98 39.9% 30.6% 8.0% 0.0% 1.3% 0.0% 78 - PDF
PKR 22,000 Generated 2015-06-01 12.0 months N/A PKR 4,804.38 39.0% 30.6% 7.2% 0.0% 1.2% 0.0% 79 - PDF
PKR 24,000 Generated 2015-06-01 12.0 months N/A PKR 5,156.78 38.3% 30.6% 6.6% 0.0% 1.1% 0.0% 81 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 5,332.98 38.0% 30.6% 6.3% 0.0% 1.1% 0.0% 82 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,445.97 38.3% 30.6% 6.6% 0.0% 1.1% 0.0% 81 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,207.96 36.3% 30.6% 4.9% 0.0% 0.8% 0.0% 85 - PDF
Khushhali Karza - EMI (Group Based Lending) Price Graphs


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  2. Pragathi
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

Pragathi MAC Credit & Marketing Federation Ltd. #2-6-45/2, Sri Shanthi Nagar Colony, Road No. 2Circuit House Road, HanamkondaWarangal, Andhra Pradesh506001
Data approved: 2010-11-15
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionSri G. John
Regions active
# Branches38

Total Portfolio (nat'l)INR 242,718,712
Total Portfolio (USD)USD 4,579,598.34
Active clients with loans23,289
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Agriculture
3,005 Borrowers
USD 523,382.68 Portfolio
Active Product
Crop
8,014 Borrowers
USD 1,395,687.11 Portfolio
Active Product
Education
1,002 Borrowers
USD 174,460.89 Portfolio
Active Product
Group
501 Borrowers
USD 87,230.43 Portfolio
Active Product
Housing
2,004 Borrowers
USD 348,921.77 Portfolio
Active Product
Micro
11,771 Borrowers
USD 2,049,915.45 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture and Allied Business Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Crop Loan INR 3,000 - 25,000 6 - 15 80% - 100% 0% - 20% Business, Other Women Credit Educ, Group Mtgs, Credit Ins, Other Training
Education Loan INR 3,000 - 20,000 12 - 20 60% - 80% 0% - 20% Education Women, Have home or land, Salaried worker Group Mtgs, Credit Ins, Other Training
Group Loan INR 10,000 - 30,000 12 - 20 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Other Training, Livelihood and Social Awareness programs
Housing Loan INR 10,000 - 50,000 15 - 30 60% - 80% 0% - 20% Housing Women, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Micro Enterprise Loan INR 5,000 - 50,000 12 - 20 80% - 100% 0% - 20% Business Women, Have business Credit Educ, Group Mtgs, Other Training, Social Awareness programs

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
Agriculture and Allied Business Loan 0% 25.6% 32.7% - 36.1% N/A
Crop Loan 0% 21.5% - 21.6% 26.6% - 28.7% N/A
Education Loan 0% 25.6% - 25.7% 33.8% - 36.2% N/A
Group Loan 0% 25.6% - 25.7% 32.7% - 33.8% N/A
Housing Loan 0% 25.6% - 25.7% 33.2% - 36.1% N/A
Micro Enterprise Loan 0% 25.6% - 25.7% 32.7% - 35.9% 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
Agriculture and Allied Business Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% 32.7% - 36.1% 37
Crop Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 21.5% - 21.6% 26.6% - 28.7% 45
Education Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.8% - 36.2% 36
Group Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 33.8% 37
Housing Loan 9.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 25.6% - 25.7% 33.2% - 36.1% 26
Micro Enterprise Loan 12.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing 25.6% - 25.7% 32.7% - 35.9% 37
Institution Price Graph
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Key Statistics
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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