Sindh Rural Support Organization - Agri- Inputs - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200

Data approved: 2015-04-30

Data version: 2

Age of data: 113 months

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Institution

Disha Microfin Pvt Ltd 404, 4th Floor, 3rd EyePanchwati Cross Road, C. G. RoadAhmedabad, GujuratPO Box 380006

Data approved: 2013-05-28

Data version: 2

Age of data: 139 months

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Product

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Product Summary

Number borrowers	25,349
Loan Amount (range)	PKR 10,000 - 35,000
Loan Term (range)	4 - 8
Other Services (text summary)	Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method	28.0% annual, Decl Bal
Fees	450.00 upfront
Insurance	150.00 upfront
Tax	None
Comp Dep	N/A
Range of pricing
Interest Price Component	19.8% - 26.2%
Fee Component	1.0% - 9.4%
Insurance Component	0.4% - 3.2%
Tax Component Range	0
Full APR (int fee ins tax dep)	29.7% - 38.8%
Transparency Index (min/max)	72 - 100
Transparency Index (average)	84

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 458,129,334
Portfolio (USD)	USD 4,498,830.06
Active Clients with Loans	25,349
Approximate % Female Clients	80%
Approximate % Urban Clients	0

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

Agri- Inputs loans for farmers to utilized their land and cultivating disfferent crops I;e. cotton, wheat, rice & sugarcane.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men
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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Sindh

This institution provided data on this product on 2010-10-25 and the product was no longer active when they submitted data on 2013-05-28.

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 10,000
Maximum loan size	35,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	5%
PKR 10,000-25,000	80%
PKR 25,000-50,000	15%
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	8.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	20%
Between 7 and 9 months	80%
Between 10 and 12 months	0
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months	x
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	28.00%
Highest quoted nominal interest	28.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Processing fee
% of loan amount - min	0	0
% of loan amount - max	0	0
OR, Fixed amount - min	450	0
Fixed amount - max	450	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	150
Fixed amount - max	150
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Agri- Inputs 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
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 10,000	Real	2015-05-01	5.9 months	N/A	PKR 1,980.82	38.8%	26.2%	9.4%	3.2%	0.0%	0.0%	72	PDF	PDF
PKR 10,000	Generated	2015-05-01	5.9 months	N/A	PKR 1,980.82	38.8%	26.2%	9.4%	3.2%	0.0%	0.0%	72	-	PDF
PKR 15,000	Real	2015-05-01	5.9 months	N/A	PKR 2,671.23	34.5%	26.2%	6.2%	2.1%	0.0%	0.0%	81	PDF	PDF
PKR 15,000	Generated	2015-05-01	5.9 months	N/A	PKR 2,671.23	34.5%	26.2%	6.2%	2.1%	0.0%	0.0%	81	-	PDF
PKR 18,000	Generated	2015-05-01	5.9 months	N/A	PKR 3,085.48	33.1%	26.2%	5.2%	1.7%	0.0%	0.0%	85	-	PDF
PKR 20,000	Generated	2015-05-01	5.9 months	N/A	PKR 3,361.64	32.4%	26.2%	4.7%	1.5%	0.0%	0.0%	86	-	PDF
PKR 22,000	Generated	2015-05-01	5.9 months	N/A	PKR 3,637.81	31.8%	26.2%	4.2%	1.4%	0.0%	0.0%	88	-	PDF
PKR 23,000	Generated	2015-05-01	5.9 months	N/A	PKR 3,775.89	31.6%	26.2%	4.0%	1.4%	0.0%	0.0%	89	-	PDF
PKR 30,000	Generated	2015-05-01	5.9 months	N/A	PKR 4,742.47	30.3%	26.2%	3.1%	1.0%	0.0%	0.0%	92	-	PDF
PKR 35,000	Generated	2015-05-01	5.9 months	N/A	PKR 5,432.88	29.7%	26.2%	2.7%	0.8%	0.0%	0.0%	94	-	PDF

Agri- Inputs 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

	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

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

Institution

Institution

Product

Product

Product Summary

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Agri- Inputs samples

Agri- Inputs Price Graphs

Total Borrowers of Samples

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