2. NRSP
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Cooprogreso
Please note that the information you are viewing is 172 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: 115 months

Institution

Cooperativa de Ahorra y Credito Cooprogreso Av. Manuel Córdova Galarza 9380 y Bogotá PomasquiQuito, Pichincha593
Data approved: 2010-11-22
Data version: 1
Age of data: 172 months

Product

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Product

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Product Summary

Number borrowers129,446
Loan Amount (range)PKR 15,000 - 60,000
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)29.6% - 36.6%
Transparency Index (min/max)76 - 97
Transparency Index (average)90

Product Summary

2,020
USD 600 - 20,000
6 - 36
Credit Ins
22.8% annual, Decl Bal
1.20% ongoing
None
None
3.00% ongoing
 
N/A
21.4% - 24.4% (Int+Fee)
-1.3% - 3.0%
0
23.1% - 25.5%
76 - 100
92

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,110,206,483
Portfolio (USD)USD 20,722,227.66
Active Clients with Loans129,446
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
The loan is offered for livestock rearing and trading. The livestock includes small and large ruminents for both milk and meat production
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
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 (USD)USD 8,509,955
Portfolio (USD)USD 8,509,955
Active Clients with Loans2,020
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Compra de terreno. Compra, Construcción, ampliación, remodelación y avance de obra de locales comerciales (no aplica para vivienda)
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size60,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00010%
PKR 25,000-50,00080%
PKR 50,000-75,00010%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
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
Monthly1
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment2
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 600
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
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 interest22.80%
Highest quoted nominal interest22.80%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited3.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Livestock Development 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 25,000 Generated 2015-05-01 12.0 months N/A PKR 4,439.21 31.6% 27.7% 3.1% 0.8% 0.0% 0.0% 89 - 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 12.0 months N/A PKR 6,014.89 30.5% 27.7% 2.2% 0.6% 0.0% 0.0% 92 - PDF
PKR 40,000 Generated 2015-05-01 12.0 months N/A PKR 6,802.73 30.1% 27.7% 1.9% 0.5% 0.0% 0.0% 93 - PDF
PKR 45,000 Generated 2015-05-01 12.0 months N/A PKR 7,590.58 29.9% 27.7% 1.7% 0.5% 0.0% 0.0% 94 - PDF
PKR 50,000 Generated 2015-05-01 12.0 months N/A PKR 8,378.42 29.6% 27.7% 1.5% 0.4% 0.0% 0.0% 94 - PDF
PKR 60,000 Generated 2015-05-01 9.0 months N/A PKR 7,693.85 29.8% 27.7% 1.7% 0.4% 0.0% 0.0% 94 - PDF

Full Pricing Data

MICON samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 1,200USD 2,200USD 3,900USD 7,620USD 12,000USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-242010-09-132010-09-012010-08-052010-08-032010-08-17
Loan Term (Months)8.0 months36.0 months36.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component22.9%21.4%23.1%24.4%22.7%22.7%
Insurance Component0.7%0.7%0.7%0.0%0.7%0.7%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.0%1.1%1.2%1.1%1.2%
Full APR (int fee ins tax dep)24.8%23.1%24.9%25.5%24.5%24.6%
Transparency Index929991899392
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
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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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X Axis
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By Country

Total Borrowers of Samples

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