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

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.nrsp.org.pk
Year established1991
Head of InstitutionCEO: Dr. Rashid Bajwa
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches339

Total Portfolio (nat'l)PKR 7,144,353,827
Total Portfolio (USD)USD 70,157,554.58
Active clients with loans399,925
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Loan Products » Summary

Agri
78,481 Borrowers
USD 21,374,951.80 Portfolio
Active Product
Livestock
129,446 Borrowers
USD 20,722,227.66 Portfolio
Active Product
Enterprise
191,998 Borrowers
USD 28,060,375.12 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri Inputs PKR 15,000 - 100,000 6 - 12 20% - 40% 0% Agriculture Women, Men
Livestock Development PKR 15,000 - 60,000 6 - 12 60% - 80% 0% Business Women, Men
Enterprise Development PKR 15,000 - 70,000 12 80% - 100% 0% Business Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri Inputs 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 28.6% - 34.8% 28.8% - 36.6% 87
Livestock Development 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 29.2% - 34.8% 29.6% - 36.6% 90
Enterprise Development 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 28.8% - 31.6% 29.1% - 32.6% 91
Institution Price Graph
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  2. Urwego

Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 1900-01-00
Data version: 3
Age of data: -   months 
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Product

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Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 1,545,844,104
Portfolio (USD)USD 2,415,381.41
Active Clients with Loans4,400
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Group members 10 to 30 individuals, group members must have a business; member co guarantee each other (social guarantee)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
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 institution30
# Regions for this product30
Regions ActiveBugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza, Nyarugenge, Nyaruguru, Rubavu, Ruhango, Rulindo, Rusizi, Rutsiro, Rwamagana

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 250,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00050%
RWF 500,000-1,500,00030%
RWF 1,500,000-2,500,0005%
RWF 2,500,000-3,500,00015%
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
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 usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationExcluding VAT
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance Premium
% of loan amount - min0.08%
% of loan amount - max0.08%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationExcluding VAT
Appears on Repayment Sched?Yes
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 deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?Yes
Percentage of fees18%
All or some fees taxedAll

Full Pricing Data

Advanced Community Banking samples
Sample 1Sample 2Sample 3
Loan AmountRWF 200,000RWF 400,000RWF 1,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-08-282014-08-072014-08-11
Loan Term (Months)6.0 months6.0 months8.0 months
Grace Period (Months)0.5 months0.5 months0.7 months
Total Cost of CreditRWF 26,476.80RWF 61,461.60RWF 293,677
True Price by Comp     
Interest price component39.8%46.5%44.7%
Fee Component3.6%3.6%2.8%
Insurance Component0.3%0.3%0.2%
Tax Component0.7%0.7%0.5%
Deposit Component8.6%9.8%8.9%
Full APR (int fee ins tax dep)53.0%60.9%57.1%
Transparency Index453942
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Advanced Community Banking Price Graphs


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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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