52,471 |
USD 350 - 1,800 |
4 - 6 |
Credit Educ, Group Mtgs, Business Training, Other Training |
24.3%-26.8% annual, Flat |
None |
None |
None |
10.0% upfront |
N/A |
24.7% - 27.6% (Int+Fee) |
0 |
0 |
30.1% - 34.0% |
71 - 101 |
73 |
Outstanding portfolio (PKR) | PKR 1,035,507.98 |
Portfolio (USD) | USD 10,168.69 |
Active Clients with Loans | 19 |
Approximate % Female Clients | 0 |
Approximate % Urban Clients | 0 |
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 13,907,941 |
Portfolio (USD) | USD 13,907,941 |
Active Clients with Loans | 52,471 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Hombres solo si representan el 20% del total de miembros de grupo |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | USD |
Minimum loan size | USD 350 |
Maximum loan size | 1,800 |
Shortest loan term | 4.0 months |
Longest loan term | 6.0 months |
Approx average | 5.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 24.33% |
Highest quoted nominal interest | 26.77% |
Reason(s) why interest rate varies | Loan term |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | USD 440 | USD 440 | USD 1,000 | USD 1,100 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2010-08-04 | 2010-06-14 | 2010-07-01 | 2010-06-09 | |||
Loan Term (Months) | 4.0 months | 4.0 months | 5.0 months | 5.0 months | |||
Grace Period (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 | |||
True Price by Comp | |||||||
Interest and Fee Component | 24.7% | 27.6% | 27.5% | 27.5% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 5.4% | 6.4% | 6.5% | 6.5% | |||
Full APR (int fee ins tax dep) | 30.1% | 34.0% | 34.0% | 34.0% | |||
Transparency Index | 81 | 72 | 71 | 71 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
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