2. NRSP
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
  2. Asomi
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

NATIONAL RURAL SUPPORT PROGRAM 46, Aga Khan Road, F-6/4Islamabad44000
Data approved: 2015-04-17
Data version: 1
Age of data: 113 months

Institution

Asomi Finance Private Limited 2nd Floor, Above SBI ATMBharalumukhGuwahati, Assam781009
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Product

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Product

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Product Summary

Number borrowers78,481
Loan Amount (range)PKR 15,000 - 100,000
Loan Term (range)6 - 12
Other Services (text summary)
Annual Interest & Method28.0% annual, Decl Bal
Fees400.00 upfront
Insurance100.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component27.7% - 27.8%
Fee Component0.9% - 7.1%
Insurance Component0.2% - 1.8%
Tax Component Range0
Full APR (int fee ins tax dep)28.8% - 36.6%
Transparency Index (min/max)76 - 97
Transparency Index (average)87

Product Summary

49,025
INR 5,000 - 25,000
12
Group Mtgs, Tech Asst Visits, Business Training
15.0% annual, Flat
30.00 upfront
25.00 upfront
None
15.0% upfront
 
N/A
28.8% - 29.2% (Int+Fee)
0.3% - 0.9%
0
39.4% - 40.7%
35 - 38
37

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,176,675,336
Portfolio (USD)USD 21,374,951.80
Active Clients with Loans78,481
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
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
Agriculturex
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 servicesx
Eligibility
Menx
Womenx
Must run a business
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 product4
Regions ActiveAzad Kashmir, Islambad Capital Territory, Punjab, Sindh

Product Details

Key Statistics
Outstanding portfolio (INR)INR 238,600,000
Portfolio (USD)USD 4,501,886.79
Active Clients with Loans49,025
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
Loans for group members
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00010%
PKR 25,000-50,00080%
PKR 50,000-75,0005%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months60%
Between 7 and 9 months10%
Between 10 and 12 months30%
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
Monthly2
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment1
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size25,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
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/Documentation Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variationN/A
Appears on Repayment Sched?Yes
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?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.

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Charge
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min30
Fixed amount - max30
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min25
Fixed amount - max25
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0 - 15.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
We accept security deposits that are not interest-bearing. This can be either be adjusted towards the end or be encashed after the obligations are met.

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

Full Pricing Data

SHG Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 6,000INR 10,000INR 19,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-06-242010-06-242010-05-27
Loan Term (Months)11.7 months11.7 months11.7 months
Grace Period (Months)1.0 month1.0 month0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component29.2%28.8%28.8%
Insurance Component0.9%0.5%0.3%
Tax Component0.0%0.0%0.0%
Deposit Component10.6%10.4%10.3%
Full APR (int fee ins tax dep)40.7%39.7%39.4%
MFIN MFI Earning (Annualised)29.2%28.8%28.8%
MFIN Cost to Borrower (Annualised)40.7%39.7%39.4%
Transparency Index373838
MFIN Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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Key Statistics
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# Countries
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% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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