2. SRSO
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
  2. ACB-SA
Please note that the information you are viewing is 143 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

Amasezerano Community Bank Head OfficeKigaliPO Box 4691
Data approved: 2012-10-17
Data version: 2
Age of data: 143 months
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Product

Livestock Product 2 of 3 « Prev | Next »

Product

Kaze (Solidarity Group) GS & GS-PU Product 5 of 7 « Prev | Next »

Product Summary

Number borrowers6,106
Loan Amount (range)PKR 10,000 - 25,000
Loan Term (range)6 - 9
Other Services (text summary)Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method28.0% annual, Decl Bal
Fees450.00 upfront
Insurance150.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.8% - 26.2%
Fee Component1.0% - 9.4%
Insurance Component0.4% - 3.2%
Tax Component Range0
Full APR (int fee ins tax dep)31.4% - 38.8%
Transparency Index (min/max)72 - 100
Transparency Index (average)82

Product Summary

2,764
RWF 10,000 - 500,000
4 - 12
30.00% annual, Flat
2 fees
None
18.00% fees
N/A
 
22.9% - 57.1%
2.1% - 24.7%
0 - 0.8%
0.5% - 4.7%
56.7% - 73.3%
16 - 53
47

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 92,734,609
Portfolio (USD)USD 910,653.86
Active Clients with Loans6,106
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0
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 generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
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

Key Statistics
Outstanding portfolio (RWF)RWF 295,147,266
Portfolio (USD)USD 468,488
Active Clients with Loans2,764
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
This product is designed for very poor people and solidarity group with income generating activities. An individual can get this loan when it is guaranteed by a client of ACB. When it is group loan there is no need for guarantee.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Women
Must run a businessx
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 institution2
# Regions for this product5
Regions ActiveBugesera, Kicukiro, Nyarugenge, Rubavu, Rusizi

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00020%
PKR 10,000-25,00080%
PKR 25,000-50,0000
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term9.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months70%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 10,000
Maximum loan size500,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,000100%
RWF 500,000-1,500,0000
RWF 1,500,000-2,500,0000
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months90%
Between 7 and 9 months10%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min450
Fixed amount - max450
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min150
Fixed amount - max150
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeeLoan Application Fee
% of loan amount - min1.50%0
% of loan amount - max1.50%0
OR, Fixed amount - min010,000
Fixed amount - max010,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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?Yes
Percentage of fees18%
All or some fees taxedAll

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
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
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

Full Pricing Data

Kaze (Solidarity Group) GS & GS-PU samples
Sample 1Sample 2Sample 3
Loan AmountRWF 100,000RWF 250,000RWF 100,000
Loan Cycle (1, 2, 3, etc)1Not KnownNot Known
Disbursement Date2012-05-152012-06-152012-09-05
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)6.1 months1.0 month6.0 months
Total Cost of CreditRWF 28,570RWF 54,175RWF 28,570
True Price by Comp     
Interest price component27.7%48.6%28.2%
Fee Component24.3%20.9%24.7%
Insurance Component0.0%0.0%0.0%
Tax Component4.7%3.8%4.7%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)56.7%73.3%57.6%
Transparency Index534152
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Livestock Price Graphs


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Kaze (Solidarity Group) GS & GS-PU 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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Total Borrowers of Samples

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