3,966 |
USD 300 - 10,000 |
4 - 30 |
Credit Ins |
22.3%-26.9% annual, Decl Bal |
1.90% ongoing |
None |
None |
N/A |
N/A |
24.8% - 27.3% (Int+Fee) |
2.7% - 3.2% |
0 |
28.0% - 30.5% |
73 - 87 |
75 |
Outstanding portfolio (PKR) | PKR 12,378,623 |
Portfolio (USD) | USD 121,558.08 |
Active Clients with Loans | 134 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 0% - 20% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
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 | |
Other | |
Other (2) |
# Regions for this institution | 6 |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (USD) | USD 3,443,769.36 |
Portfolio (USD) | USD 3,443,769.36 |
Active Clients with Loans | 3,966 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Mejora Local |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
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 | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | USD |
Minimum loan size | USD 300 |
Maximum loan size | 10,000 |
Shortest loan term | 4.0 months |
Longest loan term | 30.0 months |
Approx average | 10.6 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 22.28% |
Highest quoted nominal interest | 26.92% |
Reason(s) why interest rate varies | Branch, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Seguro de Desgravamen , Seguro de Vida |
% of loan amount - min | 1.90% |
% of loan amount - max | 1.90% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 400 | USD 950 | USD 1,900 | USD 4,000 | USD 6,700 | ||||
Loan Cycle (1, 2, 3, etc) | 1 | 3 | 3 | 3 | Not Known | ||||
Disbursement Date | 2010-07-10 | 2010-06-18 | 2010-06-08 | 2010-07-12 | 2010-07-09 | ||||
Loan Term (Months) | 6.0 months | 10.0 months | 14.0 months | 18.0 months | 12.0 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 27.3% | 27.3% | 27.3% | 24.8% | 24.8% | ||||
Insurance Component | 3.1% | 3.2% | 3.2% | 3.2% | 3.2% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 30.4% | 30.5% | 30.5% | 28.0% | 28.1% | ||||
Transparency Index | 73 | 73 | 73 | 79 | 79 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
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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 | ||||||
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Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |