Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.khushhalibank.com.pk |
Year established | 2000 |
Head of Institution | Muhammad Ghalib Nishtar |
Regions active | Azad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 118 |
Total Portfolio (nat'l) | PKR 12,225,321,747 |
Total Portfolio (USD) | USD 120,052,659.60 |
Active clients with loans | 468,369 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Pakistan Microfinance Network |
Funders |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.uob.rw/ |
Year established | 1997 |
Head of Institution | Jeffrey J. Lee |
Regions active | Bugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza |
# Branches | 36 |
Total Portfolio (nat'l) | RWF 9,342,142,670 |
Total Portfolio (USD) | USD 14,597,097.92 |
Active clients with loans | 41,246 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Opportunity International, Hope International, World Relief |
Funders | MasterCard Foundation, Gates Foundation, Credit Suisse, European Union |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Khushhali Karza - Bullet (Group Based Lending) | PKR 15,000 - 50,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Group Mtgs, Credit Ins | |||||||
Khushhali Karza - EMI (Group Based Lending) | PKR 15,000 - 50,000 | 3 - 12 | 20% - 40% | 40% - 60% | Business, Agriculture | Women, Men, Have business | Group Mtgs, Credit Ins | |||||||
Khushhali Cash Sahulat Gold-Bullet | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins | |||||||
Khushhali Cash Sahulat Land-Bullet | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 0% | Business, Agriculture | Women, Men, Have business | Credit Ins | |||||||
Sarsabz Karobar Bullet | PKR 25,000 - 150,000 | 3 - 6 | 0% - 20% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Advanced Community Banking | RWF 250,000 - 3,000,000 | 4 - 12 | 80% - 100% | 40% - 60% | Business, Other | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Community Banking | RWF 30,000 - 1,500,000 | 4 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Micro Individual/Business Loan | RWF 250,000 - 60,000,000 | 4 - 60 | 40% - 60% | 80% - 100% | Business, Consumer | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
New Solidarity Group | RWF 250,000 - 6,000,000 | 4 - 24 | 60% - 80% | 80% - 100% | Business, Consumer, Other | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Khushhali Karza - Bullet (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 29.6% - 36% | 30% - 37.4% | 92 | ||||||||
Khushhali Karza - EMI (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 35.5% - 44.3% | 36.3% - 46.6% | 78 | ||||||||
Khushhali Cash Sahulat Gold-Bullet | 28.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 26.3% - 31% | 26.5% - 31.9% | 97 | ||||||||
Khushhali Cash Sahulat Land-Bullet | 25.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 23.4% - 28.5% | 23.5% - 29.4% | 97 | ||||||||
Sarsabz Karobar Bullet | 25.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 24.9% - 29.1% | 25.1% - 30% | 95 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Advanced Community Banking | 30.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 10.0% upfront 10.00% ongoing | 52.7% - 53% | 70.6% - 72.9% | 41 | ||||||||
Community Banking | 30.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 10.0% upfront 10.00% ongoing | 57.4% | 76.8% | 39 | ||||||||
Micro Individual/Business Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins | 18.00% fees | N/A | 21.9% - 27.6% | 22.6% - 30.7% | 71 | ||||||||
New Solidarity Group | 24.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 15.0% upfront 15.00% ongoing | 43.9% - 45.1% | 69.5% - 74.5% | 33 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Khushhali Karza - Bullet (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 29.6% - 36% | 30% - 37.4% | 92 | ||||||||
Khushhali Karza - EMI (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 35.5% - 44.3% | 36.3% - 46.6% | 78 | ||||||||
Khushhali Cash Sahulat Gold-Bullet | 28.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 26.3% - 31% | 26.5% - 31.9% | 97 | ||||||||
Khushhali Cash Sahulat Land-Bullet | 25.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 23.4% - 28.5% | 23.5% - 29.4% | 97 | ||||||||
Sarsabz Karobar Bullet | 25.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 24.9% - 29.1% | 25.1% - 30% | 95 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Advanced Community Banking | 30.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 10.0% upfront 10.00% ongoing | 52.7% - 53% | 70.6% - 72.9% | 41 | ||||||||
Community Banking | 30.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 10.0% upfront 10.00% ongoing | 57.4% | 76.8% | 39 | ||||||||
Micro Individual/Business Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 18.00% fees | N/A | 21.9% - 27.6% | 22.6% - 30.7% | 71 | ||||||||
New Solidarity Group | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 15.0% upfront 15.00% ongoing | 43.9% - 45.1% | 69.5% - 74.5% | 33 |
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 | ||||||
---|---|---|---|---|---|---|
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 ∞ |