Outstanding portfolio (PKR) | PKR 214,999,847 |
Portfolio (USD) | USD 2,111,298.50 |
Active Clients with Loans | 2,084 |
Approximate % Female Clients | 0 |
Approximate % Urban Clients | 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 5 |
# Regions for this product | 2 |
Regions Active | Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 20,000 |
Maximum loan size | 450,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 0 |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 80% |
Greater than PKR 150,000 | 80% |
Shortest loan term | 24.0 months |
Longest loan term | 60.0 months |
Approx average | 36.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 100% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 19.00% |
Highest quoted nominal interest | 20.00% |
Reason(s) why interest rate varies | Time as Client |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 16% |
All or some fees taxed | Some |
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 76,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 31,443.80 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 80,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 33,098.74 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 100,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 41,373.42 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 110,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 45,510.77 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 120,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 49,648.11 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 140,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 57,922.79 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 160,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 66,197.48 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - | |
PKR 300,000 | Generated | 2015-06-01 | 24.0 months | N/A | PKR 124,120.27 | 34.2% | 31.8% | 2.1% | 0.0% | 0.3% | 0.0% | 56 | - |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.duterimbere-IMF.com |
Year established | 2004 |
Head of Institution | Delphin Ngamije |
Regions active | Burera, Gakenke, Gasabo, Gatsibo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngororero, Nyabihu, Nyagatare, Nyanza, Nyarugenge, Rubavu |
# Branches | 17 |
Total Portfolio (nat'l) | RWF 2,793,628,305 |
Total Portfolio (USD) | USD 4,365,044.23 |
Active clients with loans | 6,607 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMIR, Terrafina, AMT |
Funders | Trovaire, International Alert, Oxfam GB, PDRCIU |
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 |
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 |
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Loan Portfolio (USD) | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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