2. OLP
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

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi
Data approved: 2015-05-11
Data version: 2
Age of data: 115 months
Choose version

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

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

Product

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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

500
USD 600 - 8,000
12 - 36
Credit Ins
15.2% annual, Decl Bal
1.20% ongoing
None
None
1.5% upfront
 
N/A
15.4% - 16.1% (Int+Fee)
-1.3% - 3.0%
0
16.4% - 16.5%
76 - 100
92

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 22,845,920
Portfolio (USD)USD 22,845,920
Active Clients with Loans500
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para satisfacer las necesidades consumo de personas con relación de dependencia, con descuento por rol de pagos.
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 business
Must own a home or land
Must be a salaried workerx
Must be specific age groupx
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 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 600
Maximum loan size8,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average36.0 months
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 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 interest15.15%
Highest quoted nominal interest15.15%
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited1.50%
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 paid2.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
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

CNMPE samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 2,100USD 4,000USD 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-132010-09-102010-09-092010-09-13
Loan Term (Months)21.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component15.4%16.1%15.4%16.1%
Insurance Component0.7%0.0%0.7%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.4%0.4%0.4%0.4%
Full APR (int fee ins tax dep)16.5%16.4%16.5%16.5%
Transparency Index92929292
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Microcredit Productive Loans 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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