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

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

Product

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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

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

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.

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
Agri Inputs Price Graphs


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  2. FINCOOP
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Finance Savings and Credit Cooperative MUSCCO HouseLilongwePO Box 1292
Data approved: 2013-01-04
Data version: 2
Age of data: 143 months
Choose version

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionKingsley Mulewa
Regions activeLilongwe, Mchinji, Salima, Mzimba, Blantyre
# Branches5

Total Portfolio (nat'l)MWK 106,822,473.20
Total Portfolio (USD)USD 273,903.78
Active clients with loans4,221
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsMUSCCO, MAMN
FundersHivos, Cordaid, MUSSCO

Loan Products » Summary

Mpamba
584 Borrowers
USD 87,645.46 Portfolio
Active Product
Mwai wa Mayi
1,240 Borrowers
USD 32,650.35 Portfolio
Active Product
Phindu
800 Borrowers
USD 34,888.54 Portfolio
Active Product
Pompopompo
122 Borrowers
USD 3,565.86 Portfolio
Active Product
Umphawi
423 Borrowers
USD 39,546.22 Portfolio
Active Product
Payroll
562 Borrowers
USD 69,686.92 Portfolio
Active Product
Uchikumbe (Agriculture Loan)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Mpamba (Individual Business Loan) MWK 6,000 - 1,500,000 3 - 12 40% - 60% 60% - 80% Business, Housing, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Credit Ins, Business Training
Mwai wa Mayi (Female Group Loan) MWK 5,000 - 500,000 6 80% - 100% 60% - 80% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Phindu (Group Business) MWK 5,000 - 500,000 6 - 12 20% - 40% 20% - 40% Business Women, Men, Have business, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Business Training
Pompopompo (Emergency Loan) MWK 1,120 - 30,000 2 - 5 40% - 60% 80% - 100% Other Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Umphawi (Share Oriented Loan) MWK 5,000 - 1,500,000 3 - 12 0% - 20% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker
Payroll Loan MWK 5,000 - 1,500,000 3 - 12 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Mpamba (Individual Business Loan) 32.00%-42.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 60.1% - 78.9% 187.8% - 297% 12
Mwai wa Mayi (Female Group Loan) 45.00% annual, Flat 1 Fee 1 Ins None 33.33% upfront 82.1% - 82.8% 177% - 177.8% 25
Phindu (Group Business) 45.00% annual, Flat 1 Fee 1 Ins None 33.33% upfront 82.3% - 83.4% 176.4% - 179.8% 25
Pompopompo (Emergency Loan) 36.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 79.4% - 83.5% 298.2% - 308.4% 11
Umphawi (Share Oriented Loan) 42.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 74.8% - 79% 233.9% - 303.8% 15
Payroll Loan 38.00% annual, Flat 1 Fee 1 Ins None 50.00% upfront 68.8% - 74% 223.1% - 291.3% 16
Institution Price Graph
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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