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Institution

SAFCO SUPPORT FOUNDATION B-11 behind St. Bonaventure School Phase II QasimabadHyderabad, Sindh
Data approved: 2015-04-24
Data version: 2
Age of data: 115 months

Institution

Cooperativa de Ahorro y Crédito Padre Vicente Ponce 10 de Agosto y Olmedo, Edif. Episcopal 3er. PisoTulcán, Carchi
Data approved: 2011-10-11
Data version: 1
Age of data: 172 months

Product

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Product Summary

Number borrowers24,345
Loan Amount (range)PKR 3,000 - 50,000
Loan Term (range)12
Other Services (text summary)Tech Asst Visits, Business Training, Refund of principle amount in case of death
Annual Interest & Method22.0% annual, Flat
Fees3.00% upfront 1.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component20.9% - 43.5%
Fee Component8.2% - 9.5%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)44.9% - 53.0%
Transparency Index (min/max)42 - 75
Transparency Index (average)47

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 229,520,412
Portfolio (USD)USD 2,253,890.45
Active Clients with Loans24,345
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
12 Months - Equal Monthly Installments
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 visitsx
Business trainingx
Other training
OtherRefund of principle amount in case of death
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (USD)USD 18,923
Portfolio (USD)USD 18,923
Active Clients with Loans12
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Description
Permite atender calamidades domésticas, referentes a accidentes o problemas de salud, previa presentación de un certificado del médico tratante.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Eligibility
Menx
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 institution1
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 3,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00040%
PKR 25,000-50,00060%
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 usage100%
Average grace period0.3 months
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionRegistration FeeEmergency Fund Fee
% of loan amount - min3.00%1.00%
% of loan amount - max3.00%1.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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

Live Stock Loan 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 2015-02-15 11.8 months N/A PKR 5,200.05 48.4% 39.8% 8.6% 0.0% 0.0% 0.0% 45 PDF PDF
PKR 40,000 Generated 2015-06-01 11.3 months N/A PKR 9,893.70 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 40,000 Real 2015-02-25 11.3 months N/A PKR 10,399.98 53.0% 43.5% 9.5% 0.0% 0.0% 0.0% 42 PDF PDF
PKR 20,000 Generated 2015-06-01 11.3 months N/A PKR 4,946.85 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 10,000 Generated 2015-06-01 11.3 months N/A PKR 2,473.42 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 25,000 Generated 2015-06-01 11.3 months N/A PKR 6,183.56 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 29,000 Generated 2015-06-01 11.3 months N/A PKR 7,172.93 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 35,000 Generated 2015-06-01 11.3 months N/A PKR 8,656.99 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 42,000 Generated 2015-06-01 11.3 months N/A PKR 10,388.38 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
PKR 50,000 Generated 2015-06-01 11.3 months N/A PKR 12,367.12 44.9% 36.7% 8.2% 0.0% 0.0% 0.0% 49 - PDF
Live Stock Loan 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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