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Institution
Data approved: 2015-04-17
Data version: 1
Age of data: 115 months
Key Statistics
Outstanding portfolio (PKR) | PKR 2,176,675,336 |
Portfolio (USD) | USD 21,374,951.80 |
Active Clients with Loans | 78,481 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0 |
Methodology
Individual | |
Solidarity group | |
Village banking | |
Self help group | |
Other | |
Description
The loan is offered for agriculutural inputs such as Seed, Fertilizer, Water etc
Loan Purpose
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) | |
Included Services
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Eligibility
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 | |
Other (2) | |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | 6 |
# Regions for this product | 4 |
Regions Active | Azad Kashmir, Islambad Capital Territory, Punjab, Sindh |
Loan Conditions
Loan Amount
Currency | PKR |
Minimum loan size | PKR 15,000 |
Maximum loan size | 100,000 |
Distribution at Disbursement (Est.)
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 10% |
PKR 25,000-50,000 | 80% |
PKR 50,000-75,000 | 5% |
PKR 75,000-150,000 | 5% |
Greater than PKR 150,000 | 5% |
Loan Term and Grace Period
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 6.0 months |
Distribution at Disbursement (Est.)
Loans 3 months or less | 0 |
Between 4 and 6 months | 60% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 30% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace Period
Grace period usage | 0 |
Average grace period | 0 |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | 2 |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | 1 |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 28.00% |
Highest quoted nominal interest | 28.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Upfront Fees
| Fee 1 |
---|
Description | Processing/Documentation Charges |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 400 |
Fixed amount - max | 400 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ongoing Fees
This product has no ongoing feesUpfront Insurance Fees
| Ins 1 |
---|
Description | Insurance Charges |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 100 |
Fixed amount - max | 100 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/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 deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | No |
Additional Comments
Minimum loan period and loan amount is not Fixed in the policy. The same reported above is actual for the current year.
Full Pricing Data
Agri Inputs 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 20,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 2,154.78 |
36.6% |
27.7% |
7.1% |
1.8% |
0.0% |
0.0% |
76 |
- |
PDF |
PKR 20,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 2,154.78 |
36.6% |
27.7% |
7.1% |
1.8% |
0.0% |
0.0% |
76 |
- |
PDF |
PKR 25,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 2,568.47 |
34.8% |
27.7% |
5.7% |
1.4% |
0.0% |
0.0% |
80 |
- |
PDF |
PKR 25,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 2,568.47 |
34.8% |
27.7% |
5.7% |
1.4% |
0.0% |
0.0% |
80 |
- |
PDF |
PKR 30,000 |
Generated |
2015-05-01 |
12.0 months |
N/A |
PKR 5,227.05 |
31.0% |
27.7% |
2.6% |
0.7% |
0.0% |
0.0% |
90 |
- |
PDF |
PKR 30,000 |
Generated |
2015-05-01 |
12.0 months |
N/A |
PKR 5,227.05 |
31.0% |
27.7% |
2.6% |
0.7% |
0.0% |
0.0% |
90 |
- |
PDF |
PKR 35,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 3,395.86 |
32.8% |
27.7% |
4.0% |
1.1% |
0.0% |
0.0% |
85 |
- |
PDF |
PKR 35,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 3,395.86 |
32.8% |
27.7% |
4.0% |
1.1% |
0.0% |
0.0% |
85 |
- |
PDF |
PKR 40,000 |
Generated |
2015-05-01 |
9.0 months |
N/A |
PKR 5,295.90 |
30.8% |
27.7% |
2.5% |
0.6% |
0.0% |
0.0% |
91 |
- |
PDF |
PKR 40,000 |
Generated |
2015-05-01 |
9.0 months |
N/A |
PKR 5,295.90 |
30.8% |
27.7% |
2.5% |
0.6% |
0.0% |
0.0% |
91 |
- |
PDF |
PKR 45,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 4,223.25 |
31.6% |
27.7% |
3.1% |
0.8% |
0.0% |
0.0% |
89 |
- |
PDF |
PKR 45,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 4,223.25 |
31.6% |
27.7% |
3.1% |
0.8% |
0.0% |
0.0% |
89 |
- |
PDF |
PKR 60,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 5,464.33 |
30.6% |
27.7% |
2.3% |
0.6% |
0.0% |
0.0% |
91 |
- |
PDF |
PKR 60,000 |
Generated |
2015-05-01 |
6.0 months |
N/A |
PKR 5,464.33 |
30.6% |
27.7% |
2.3% |
0.6% |
0.0% |
0.0% |
91 |
- |
PDF |
PKR 90,000 |
Generated |
2015-05-01 |
12.0 months |
N/A |
PKR 14,681.15 |
28.8% |
27.7% |
0.9% |
0.2% |
0.0% |
0.0% |
97 |
- |
PDF |
PKR 90,000 |
Generated |
2015-05-01 |
12.0 months |
N/A |
PKR 14,681.15 |
28.8% |
27.7% |
0.9% |
0.2% |
0.0% |
0.0% |
97 |
- |
PDF |