2. OLP
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. Codesarrollo
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi
Data approved: 2015-05-11
Data version: 2
Age of data: 113 months
Choose version

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 170 months

Product

Microcredit Productive Loans Product 1 of 3 « Prev | Next »

Product

Creditierras Product 6 of 7 « Prev | Next »

Product Summary

Number borrowers18,936
Loan Amount (range)PKR 20,000 - 50,000
Loan Term (range)12
Other Services (text summary)
Annual Interest & Method20.0% annual, Flat
Fees2.00% upfront
Insurance150.00-300.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.3% - 36.0%
Fee Component0 - 4.1%
Insurance Component0 - 1.6%
Tax Component Range0
Full APR (int fee ins tax dep)39.8% - 41.7%
Transparency Index (min/max)48 - 56
Transparency Index (average)49

Product Summary

117
USD 1,000 - 15,000
15 - 62
Credit Ins, Seguro de Desgravamen
12.0%-13.0% annual, Decl Bal
None
None
None
N/A
 
N/A
12.0% (Int+Fee)
0
0
12.0%
0 - N/A
100

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 309,952,132
Portfolio (USD)USD 3,043,729.94
Active Clients with Loans18,936
Approximate % Female Clients100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Microcredit loans are offered to Female clients to increase the income generating potentials of home based clients.
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
Men
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 institution2
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (USD)USD 709,627
Portfolio (USD)USD 709,627
Active Clients with Loans117
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Orientado a organizaciones campesinas y/o miembros de organizaciones campesinas para financiar la compra, o legalización o la titularización de la tierra que va a ser destinada a la producción agrícola, pecuaria
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra, o legalización, o la titularización de la
Other (2)tierra destinada a la prducción agrícola, pecuaria
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherOrientado a organizaciones campesinas y/o miembros de organizaciones campesinas
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 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00040%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
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 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term15.0 months
Longest loan term62.0 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
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
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 - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min150
Fixed amount - max300
Reason for variation20k: 150, 21k-25k: 180, 26k-30k:200, 31k-35k:230, 36k-40k:250, 41k-50k:300
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

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest13.00%
Reason(s) why interest rate variesPor la fuente de pago
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Full Pricing Data

Microcredit Productive Loans 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 Real 2015-04-30 11.8 months N/A PKR 4,550 41.7% 36.0% 4.1% 1.6% 0.0% 0.0% 48 PDF PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 4,539.04 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 25,000 Real 2015-04-29 11.8 months N/A PKR 5,680 41.4% 35.8% 4.1% 1.5% 0.0% 0.0% 48 PDF PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 5,007.95 40.2% 34.6% 4.0% 1.6% 0.0% 0.0% 50 - PDF
PKR 23,000 Generated 2015-05-01 12.0 months N/A PKR 5,227.40 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 24,000 Generated 2015-05-01 12.0 months N/A PKR 5,446.85 40.1% 34.6% 4.0% 1.5% 0.0% 0.0% 50 - PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 5,666.30 40.0% 34.6% 4.0% 1.4% 0.0% 0.0% 50 - PDF
PKR 29,000 Generated 2015-05-01 12.0 months N/A PKR 6,564.11 40.0% 34.6% 4.0% 1.4% 0.0% 0.0% 50 - PDF
PKR 35,000 Generated 2015-05-01 12.0 months N/A PKR 7,910.82 39.9% 34.6% 4.0% 1.3% 0.0% 0.0% 50 - PDF
PKR 49,000 Generated 2015-05-01 12.0 months N/A PKR 11,053.15 39.8% 34.6% 4.0% 1.2% 0.0% 0.0% 50 - PDF

Full Pricing Data

Creditierras samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,000USD 7,500USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-06-172010-06-252010-07-09
Loan Term (Months)15.0 months60.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component12.0%12.0%12.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)12.0%12.0%12.0%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microcredit Productive Loans Price Graphs


Click to view Price Analysis Tool
Creditierras Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞