Outstanding portfolio (PKR) | PKR 613,733,322 |
Portfolio (USD) | USD 6,026,861.22 |
Active Clients with Loans | 37,817 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Livestock |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | must have livestock or want to purchase livestock |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Sindh |
Currency | PKR |
Minimum loan size | PKR 5,000 |
Maximum loan size | 70,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 70% |
PKR 25,000-50,000 | 20% |
PKR 50,000-75,000 | 10% |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | DK |
Loans 3 months or less | 0 |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 80% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 0.3 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 18.00% |
Highest quoted nominal interest | 18.00% |
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 | Documentation 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 |
Ins 1 | |
---|---|
Description | Health and Accidental Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 125 |
Fixed amount - max | 125 |
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? | No |
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 | 11.8 months | N/A | PKR 2,100.34 | 19.9% | 16.6% | 2.0% | 1.3% | 0.0% | 0.0% | 90 | - | |
PKR 13,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 2,692.95 | 19.6% | 16.6% | 2.0% | 1.0% | 0.0% | 0.0% | 92 | - | |
PKR 15,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 3,088.01 | 19.5% | 16.6% | 2.0% | 0.9% | 0.0% | 0.0% | 92 | - | |
PKR 18,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 3,680.62 | 19.3% | 16.6% | 2.0% | 0.7% | 0.0% | 0.0% | 93 | - | |
PKR 23,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 4,668.29 | 19.2% | 16.6% | 2.0% | 0.6% | 0.0% | 0.0% | 94 | - | |
PKR 30,000 | Generated | 2015-06-01 | 8.9 months | N/A | PKR 4,719.52 | 20.2% | 16.9% | 2.7% | 0.6% | 0.0% | 0.0% | 89 | - | |
PKR 45,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 9,014.04 | 18.9% | 16.6% | 2.0% | 0.3% | 0.0% | 0.0% | 95 | - | |
PKR 60,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 6,651.03 | 21.8% | 17.2% | 4.1% | 0.5% | 0.0% | 0.0% | 83 | - |
Key Statistics | |
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# 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 |
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