2. SRSO
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Espoir
Please note that the information you are viewing is 172 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: 115 months
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Institution

Fundación para el Desarrollo Integral Espoir Iñaquito No. 1261 y Naciones Unidas Edficio Comandato Torre Iñaquito PenthouseQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Product

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Product

Crédito de Banca Comunal Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers19,720
Loan Amount (range)PKR 10,000 - 50,000
Loan Term (range)12
Other Services (text summary)Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method20.0% annual, Flat
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)21.2% - 26.6%
Transparency Index (min/max)72 - 100
Transparency Index (average)87

Product Summary

52,471
USD 350 - 1,800
4 - 6
Credit Educ, Group Mtgs, Business Training, Other Training
24.3%-26.8% annual, Flat
None
None
None
10.0% upfront
 
N/A
24.7% - 27.6% (Int+Fee)
0
0
30.1% - 34.0%
71 - 101
73

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 240,923,687
Portfolio (USD)USD 2,365,870.61
Active Clients with Loans19,720
Approximate % Female Clients80% - 100%
Approximate % Urban Clients100%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Enterprise loan are disbursed in semi urban areas of SRSO operation areas. Females use this loan for small enterprises developments. 90% female preparing handicrafts and traditional products at their home.
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 (USD)USD 13,907,941
Portfolio (USD)USD 13,907,941
Active Clients with Loans52,471
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Group loan designed for poor women in Ecuador. The Communal Bank channels small amounts to its members. Additional services include title insurance (desgravamen), life insurance and bonuses for new born babies, among other.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
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
OtherHombres solo si representan el 20% del total de miembros de grupo
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00020%
PKR 10,000-25,00070%
PKR 25,000-50,00010%
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 usage0
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 350
Maximum loan size1,800
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average5.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
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 interest24.33%
Highest quoted nominal interest26.77%
Reason(s) why interest rate variesLoan term
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Frecuencia: Cada 15 días

Full Pricing Data

Enterprise 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 2015-06-01 12.0 months N/A PKR 2,605.48 26.6% 19.8% 5.1% 1.7% 0.0% 0.0% 75 - PDF
PKR 12,000 Generated 2015-06-01 12.0 months N/A PKR 3,006.58 25.4% 19.8% 4.2% 1.4% 0.0% 0.0% 79 - PDF
PKR 15,000 Generated 2015-06-01 12.0 months N/A PKR 3,608.22 24.3% 19.8% 3.4% 1.1% 0.0% 0.0% 82 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 4,610.96 23.2% 19.8% 2.5% 0.9% 0.0% 0.0% 86 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,616.44 22.0% 19.8% 1.7% 0.5% 0.0% 0.0% 91 - PDF
PKR 42,000 Generated 2015-06-01 12.0 months N/A PKR 9,023.01 21.4% 19.8% 1.2% 0.4% 0.0% 0.0% 93 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 10,627.40 21.2% 19.8% 1.0% 0.4% 0.0% 0.0% 95 - PDF
PKR 35,000 Generated 2015-05-01 12.0 months N/A PKR 7,580.82 21.7% 19.8% 1.5% 0.4% 0.0% 0.0% 100 - PDF

Full Pricing Data

Crédito de Banca Comunal samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 440USD 440USD 1,000USD 1,100
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-042010-06-142010-07-012010-06-09
Loan Term (Months)4.0 months4.0 months5.0 months5.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.7%27.6%27.5%27.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component5.4%6.4%6.5%6.5%
Full APR (int fee ins tax dep)30.1%34.0%34.0%34.0%
Transparency Index81727171
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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