| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.tameerbank.com |
| Year established | 2005 |
| Head of Institution | Nadeem Hussain (CEO & President) |
| Regions active | Azad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 153 |
| Total Portfolio (nat'l) | PKR 8,701,618,309 |
| Total Portfolio (USD) | USD 85,449,891.79 |
| Active clients with loans | 221,224 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Micro Finance Network |
| Funders | CGAP, DFID |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tameer Sarmaya Qarza (TSQ) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 20% - 40% | Business, Agriculture, Other | Women, Men | Credit Ins | |||||||
| Karobar Loan | PKR 10,000 - 125,000 | 6 - 24 | 0% - 20% | 60% - 80% | Business | Women, Men, Have business | ||||||||
| Livestock Financing | PKR 50,000 - 400,000 | 12 - 24 | 0% | 100% | Business | Women, Men, Have business | ||||||||
| Group Loan | PKR 15,000 - 25,000 | 12 - 36 | 60% - 80% | 60% - 80% | Business | Women, Men | ||||||||
| House Finance | PKR 20,000 - 450,000 | 24 - 60 | 0% | 100% | Housing, Consumer | Women, Men, Have home or land | Credit Ins | |||||||
| Salary Loan | PKR 10,000 - 150,000 | 12 - 36 | 0% - 20% | 100% | Consumer, Other | Women, Men, Salaried worker |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tameer Sarmaya Qarza (TSQ) | 27.0%-33.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 26% - 31.2% | 26.3% - 31.9% | 95 | ||||||||
| Karobar Loan | 23.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 43.1% - 46.1% | 43.9% - 47.4% | 51 | ||||||||
| Livestock Financing | 23.0%-30.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 39.3% - 48.5% | 39.7% - 48.9% | 52 | ||||||||
| Group Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | 5.0%-10.0% upfront | 40.2% - 42.6% | 44.7% - 49.1% | 47 | ||||||||
| House Finance | 19.0%-20.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 33.9% | 34.2% | 56 | ||||||||
| Salary Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.9% - 38% | 33.4% - 39.2% | 49 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 ∞ | ||||||
