2. TMFB
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

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 113 months
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Product

Tameer Sarmaya Qarza (TSQ) Product 1 of 7 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 5,664,915,850
Portfolio (USD)USD 55,629,473.65
Active Clients with Loans89,701
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
TSQ is a loan product that allows potential customers to borrow against their collateral (gold / gold ornaments/ term deposits) to meet their short / mid-term liquidity requiremets.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institution5
# Regions for this product4
Regions ActiveBalochistan, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0005%
PKR 25,000-50,00040%
PKR 50,000-75,00050%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months80%
Between 10 and 12 months10%
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest33.00%
Reason(s) why interest rate variesTime as Client
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 - max2.00%
OR, Fixed amount - min600
Fixed amount - max0
Reason for variation%age of loan amount or fixed amount-whichever is higher
Appears on Repayment Sched?Yes
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 fees16%
All or some fees taxedSome

Full Pricing Data

Tameer Sarmaya Qarza (TSQ) 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 64,960 Generated 2015-06-01 8.8 months N/A PKR 14,337.12 27.9% 24.6% 2.8% 0.0% 0.5% 0.0% 97 - PDF
PKR 64,960 Real 2015-03-07 8.9 months N/A PKR 13,999.87 27.0% 23.8% 2.7% 0.0% 0.5% 0.0% 100 PDF PDF
PKR 29,760 Real 2015-02-12 8.9 months N/A PKR 6,634.27 27.8% 24.6% 2.8% 0.0% 0.4% 0.0% 97 PDF PDF
PKR 29,760 Generated 2015-06-01 8.8 months N/A PKR 6,571.69 27.9% 24.6% 2.8% 0.0% 0.5% 0.0% 97 - PDF
PKR 15,000 Generated 2015-06-01 8.9 months N/A PKR 3,691.89 31.1% 24.6% 5.5% 0.0% 1.0% 0.0% 87 - PDF
PKR 26,000 Generated 2015-06-01 8.9 months N/A PKR 5,886.56 28.3% 24.6% 3.2% 0.0% 0.5% 0.0% 95 - PDF
PKR 30,000 Generated 2015-06-01 8.9 months N/A PKR 6,687.78 27.8% 24.6% 2.8% 0.0% 0.4% 0.0% 97 - PDF
PKR 51,000 Generated 2015-06-01 11.8 months N/A PKR 14,764.57 26.3% 23.9% 2.1% 0.0% 0.3% 0.0% 100 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 17,370.08 26.3% 23.9% 2.1% 0.0% 0.3% 0.0% 100 - PDF
PKR 90,000 Generated 2015-06-01 5.9 months N/A PKR 14,959.23 31.9% 27.1% 4.1% 0.0% 0.7% 0.0% 85 - PDF
Tameer Sarmaya Qarza (TSQ) Price Graphs


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  2. Duterimbere
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

Duterimbere - IMF Head OfficeKigaliPO Box 6719
Data approved: 2012-09-27
Data version: 2
Age of data: 143 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.duterimbere-IMF.com
Year established2004
Head of InstitutionDelphin Ngamije
Regions activeBurera, Gakenke, Gasabo, Gatsibo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngororero, Nyabihu, Nyagatare, Nyanza, Nyarugenge, Rubavu
# Branches17

Total Portfolio (nat'l)RWF 2,793,628,305
Total Portfolio (USD)USD 4,365,044.23
Active clients with loans6,607
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsAMIR, Terrafina, AMT
FundersTrovaire, International Alert, Oxfam GB, PDRCIU

Loan Products » Summary

Agric Ln
2,500 Borrowers
USD 345,280.53 Portfolio
Active Product
Credit Femme
2,357 Borrowers
USD 3,503,704.68 Portfolio
Active Product
Grp Sol Com
1,750 Borrowers
USD 243,248.29 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan RWF 100,000 - 2,500,000 12 60% - 80% 0% - 20% Business Women, Men Credit Educ, Tech Asst Visits, Business Training
Credit Femme Entrepreneur Loan RWF 600,000 - 10,000,000 3 - 36 60% - 80% 0% - 20% Business Women, Men, Have business Tech Asst Visits, Business Training
Group Solidaire Commerce Loan RWF 100,000 - 2,500,000 6 - 8 60% - 80% 0% - 20% Business Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Flat 1 Fee 0 Ins 18.00% fees 20.00% upfront 35.4% - 35.6% 52% - 52.3% 46
Credit Femme Entrepreneur Loan 15.00% annual, Flat 1 Fee 1 Ins 18.00% fees N/A 27.2% - 28.1% 27.9% - 28.9% 52
Group Solidaire Commerce Loan 24.00% annual, Flat 1 Fee 0 Ins 18.00% fees 20.00% upfront 46% - 49.8% 78.9% - 85.4% 29
Institution Price Graph
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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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