Outstanding portfolio (PKR) | PKR 350,748 |
Portfolio (USD) | USD 3,444.35 |
Active Clients with Loans | 38 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 60% - 80% |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
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 | 5 |
# Regions for this product | N/A |
Regions Active |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | N/A |
Year established | 2002 |
Head of Institution | JOSE JULIO GUALOTUÑA LEMA |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | USD 11,870,227.05 |
Total Portfolio (USD) | USD 11,870,227.05 |
Active clients with loans | 6,420 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | FECOAC, Red Financiera Rural, COLAC, Financoop |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Microluz | USD 1,500 - 10,000 | 1 - 24 | 40% - 60% | 40% - 60% | Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio | Women, Men, Have business, existencia minima del negocio de un año | Credit Ins | |||||||
Oportuno | USD 350 - 1,500 | 1 - 12 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
Quirofario | USD 500 - 20,000 | 1 - 72 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Microluz | 19.0%-25.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 20.3% - 25.3% | 22.8% - 28.4% | 77 | ||||||||
Oportuno | 22.5%-26.0% annual, Decl Bal | 0 Fees | 2 Ins | None | 10.0% upfront | 24.3% - 24.7% | 27.2% - 27.6% | 82 | ||||||||
Quirofario | 13.6%-13.8% annual, Decl Bal | 0 Fees | 1 Ins | None | 10.0% upfront | 13.9% - 14% | 15.7% - 15.9% | 86 |
Key Statistics | |
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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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