Number borrowers | 1,965 |
Loan Amount (range) | PKR 10,000 - 50,000 |
Loan Term (range) | 12 |
Other Services (text summary) | |
Annual Interest & Method | 12.0% annual, Flat |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.3% - 36.0% |
Fee Component | 0 - 4.1% |
Insurance Component | 0 - 1.6% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 21.3% |
Transparency Index (min/max) | 48 - 56 |
Transparency Index (average) | 56 |
4,440 |
RWF 150,000 - 250,000 |
3 - 12 |
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
30.00% annual, Flat |
3.00% upfront |
1.50% upfront |
None |
20.00% upfront |
N/A |
60.0% - 62.1% (Int+Fee) |
1.8% - 5.9% |
0 |
95.8% - 100.5% |
30 - 73 |
30 |
Outstanding portfolio (PKR) | PKR 27,901,546 |
Portfolio (USD) | USD 273,993.18 |
Active Clients with Loans | 1,965 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Punjab, Sindh |
Outstanding portfolio (RWF) | RWF 381,860,017 |
Portfolio (USD) | USD 596,656.28 |
Active Clients with Loans | 4,440 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 16 |
# Regions for this product | 20 |
Regions Active | Bugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, HuyeKayonza, Kicukiro, Kirehe, Musanze, Ngoma, Ngororero, Nyabihu, Nyamagabe, Nyarugenge, Nyaruguru, Rubavu, Rulindo, Rwamagana |
Currency | PKR |
Minimum loan size | PKR 10,000 |
Maximum loan size | 50,000 |
Loans less than PKR 10,000 | 10% |
PKR 10,000-25,000 | 60% |
PKR 25,000-50,000 | 30% |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | RWF |
Minimum loan size | RWF 150,000 |
Maximum loan size | 250,000 |
Loans less than RWF 500,000 | 100% |
RWF 500,000-1,500,000 | 0 |
RWF 1,500,000-2,500,000 | 0 |
RWF 2,500,000-3,500,000 | 0 |
RWF 3,500,000-4,500,000 | 0 |
Greater than RWF 4,500,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 8.0 months |
Loans 3 months or less | 30% |
Between 4 and 6 months | 40% |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Lowest quoted nominal interest | 12.00% |
Highest quoted nominal interest | 12.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 2.50% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Commission Fee |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 1.50% |
% of loan amount - max | 1.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
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 10,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 1,196.71 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 15,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 1,795.07 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 18,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,154.08 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 20,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,393.42 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 22,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,632.77 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 25,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 2,991.78 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 35,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 4,188.49 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - | |
PKR 45,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 5,385.21 | 21.3% | 21.3% | 0.0% | 0.0% | 0.0% | 0.0% | 56 | - |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | RWF 200,000 | RWF 250,000 | RWF 250,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2010-11-26 | 2010-12-15 | 2010-12-15 | ||
Loan Term (Months) | 6.0 months | 8.0 months | 8.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 62.1% | 60.0% | 60.0% | ||
Insurance Component | 5.9% | 4.7% | 4.7% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 32.4% | 31.1% | 31.1% | ||
Full APR (int fee ins tax dep) | 100.5% | 95.8% | 95.8% | ||
Transparency Index | 30 | 31 | 31 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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By Country | ||||||
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