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

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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: 118 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 92,734,609
Portfolio (USD)	USD 910,653.86
Active Clients with Loans	6,106
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

Livestock package is used as a Eid Package. The duration of this package is eight months.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
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

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 10,000
Maximum loan size	25,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	20%
PKR 10,000-25,000	80%
PKR 25,000-50,000	0
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	6.0 months
Longest loan term	9.0 months
Approx average	8.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	30%
Between 7 and 9 months	70%
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
Description	Processing fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	450
Fixed amount - max	450
Reason for variation	N/A
Appears on Repayment Sched?	Yes

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

Livestock 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	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 12,000	Generated	2015-05-01	5.9 months	N/A	PKR 2,256.99	36.6%	26.2%	7.8%	2.6%	0.0%	0.0%	76	-	PDF
PKR 14,000	Generated	2015-05-01	5.9 months	N/A	PKR 2,533.15	35.1%	26.2%	6.7%	2.2%	0.0%	0.0%	80	-	PDF
PKR 16,000	Generated	2015-05-01	5.9 months	N/A	PKR 2,809.32	34.0%	26.2%	5.8%	2.0%	0.0%	0.0%	82	-	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 24,000	Generated	2015-05-01	5.9 months	N/A	PKR 3,913.97	31.4%	26.2%	3.9%	1.3%	0.0%	0.0%	89	-	PDF

Livestock Price Graphs

Loan Size/Full APR

Loan Term/Full APR

Custom

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	161
Ahantaman RB	23,800	9,896,000	4	143
APED	13,700	1,876,000	2	143
ASA Initiative	4,400	577,000	4	143
ASA-Ghana	71,600	18,385,000	2	143
ASPI	800	88,000	6	143
Atwima Kwanwoma	3,800	1,788,000	2	143
Baobab	5,100	967,000	2	143
BestFUND	13,000	4,172,000	3	143
Bonzali Rural	10,400	1,691,000	4	161
CashPhase	83	135,000	2	143
CASUD	1,100	524,000	1	143
CEDEF	500	54,000	4	143
CFF	100	13,000	1	143
CRAN	3,600	1,019,000	2	143
DQF	1,700	63,000	2	143
EASL	9,200	11,409,000	6	143
East Mamprusi	12,500	2,268,000	4	143
ELDA	0	0	0	143
EMPRETEC Ghana	200	56,000	2	143
FASL	13,500	14,047,000	8	143
Grameen Ghana	9,500	507,000	3	143
ID-Ghana	5,600	953,000	3	143
Innovative Finance	2,700	354,000	3	143
Kraban Support	7,700	781,000	5	161
KRB	4,000	6,350,000	3	143
Lower Pra RB	34,000	6,316,000	3	161
Maata-N-Tudu	12,000	941,000	4	143
Mail Finance	300	288,000	1	143
Markaz	0	0	0	143
Markaz Al Bishara	100	17,000	1	143
MicrofinPlus Gh	1,100	251,000	2	143
Nwabiagya RB	4,000	2,265,000	3	143
OISL	62,000	27,232,000	9	143
Pro Credit	0	0	0	143
Rich Step	100	101,000	1	143
SAT	147,600	29,359,000	4	143
Sekam Trust	600	137,000	2	143
Simli Pong	8,900	463,000	3	161
SS Ghana	200	35,000	1	143
TCCU	100	32,000	3	143
The Bridge	400	32,000	3	161
Union RB	3,800	2,361,000	4	143

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

Product

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

Livestock samples

Livestock Price Graphs

Total Borrowers of Samples

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