| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.thardeep.org |
| Year established | 1998 |
| Head of Institution | Ms. Parsa Pathani |
| Regions active | Sindh |
| # Branches | 151 |
| Total Portfolio (nat'l) | PKR 1,407,060,752 |
| Total Portfolio (USD) | USD 13,817,336.58 |
| Active clients with loans | 100,001 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
| Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loans | PKR 5,000 - 100,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
| Livestock Loans | PKR 5,000 - 70,000 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Livestock | Women, Men, must have livestock or want to purchase livestock | Credit Educ, Business Training | |||||||
| Agriculture Loans | PKR 5,000 - 40,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Men, Have home or land | Credit Educ |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
| Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
| Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Adhikar | 35,300 | 2,674,000 | 1 | 136 |
| AMPL | 0 | 0 | 0 | 136 |
| Arman | 41,500 | 529,107,000 | 1 | 136 |
| Arohan | 43,500 | 8,091,000 | 2 | 136 |
| ASA INDIA | 164,000 | 15,380,000 | 1 | 136 |
| Asirvad | 113,500 | 19,328,000 | 1 | 136 |
| Asmitha | 1,114,800 | 217,867,000 | 1 | 136 |
| Bandhan | 4,048,600 | 674,564,000 | 5 | 136 |
| Belstar | 123,000 | 23,945,000 | 2 | 115 |
| BSFL | 275,200 | 31,590,000 | 3 | 136 |
| Chaitanya | 20,700 | 3,748,000 | 3 | 136 |
| Disha Microfin | 69,000 | 14,332,000 | 2 | 136 |
| Equitas | 1,220,000 | 186,415,000 | 4 | 136 |
| ESAF | 354,200 | 43,500,000 | 5 | 136 |
| FFSL | 150,600 | 35,719,000 | 2 | 136 |
| Fusion | 66,800 | 9,820,000 | 2 | 136 |
| Grama Vidiyal | 738,200 | 102,101,000 | 1 | 136 |
| Grameen Koota | 586,600 | 83,555,000 | 15 | 138 |
| Janalakshmi | 506,000 | 119,077,000 | 2 | 136 |
| L & T Finance | 399,800 | 37,199,000 | 1 | 136 |
| MFL | 331,800 | 49,083,000 | 1 | 136 |
| MMFL | 175,000 | 23,752,000 | 2 | 136 |
| Mpower | 13,600 | 2,263,000 | 2 | 136 |
| Sahayata | 0 | 0 | 0 | 136 |
| Saija | 24,700 | 4,682,000 | 2 | 136 |
| Samasta | 45,500 | 4,809,000 | 2 | 136 |
| Satin | 405,600 | 90,174,000 | 2 | 136 |
| SCCI | 115,600 | 15,910,000 | 2 | 136 |
| Share | 2,195,400 | 376,727,000 | 1 | 136 |
| SKS | 3,409,000 | 355,029,000 | 2 | 136 |
| SMILE | 360,200 | 56,927,000 | 1 | 136 |
| SNFL | 9,400 | 1,779,000 | 1 | 136 |
| Sonata Finance | 158,200 | 22,724,000 | 3 | 138 |
| Spandana | 533,400 | 147,240,000 | 2 | 136 |
| Suryoday | 78,600 | 14,713,000 | 3 | 136 |
| SVCL | 118,200 | 18,886,000 | 1 | 136 |
| Swadhaar | 92,800 | 17,166,000 | 3 | 136 |
| Trident | 68,700 | 8,852,000 | 1 | 136 |
| Ujjivan | 913,300 | 160,848,000 | 5 | 136 |
| Utkarsh | 168,600 | 25,915,000 | 3 | 136 |
| VFS | 175,400 | 19,264,000 | 2 | 136 |
| Asomi | 50,300 | 4,743,000 | 2 | 169 |
| AES India | 3,600 | 286,000 | 1 | 169 |
| Arth | 2,900 | 611,000 | 2 | 169 |
| Asomi | 50,300 | 4,743,000 | 2 | 169 |
| Barasat GS | 1,100 | 99,508.02 | 1 | 169 |
| BJS | 6,000 | 468,000 | 1 | 169 |
| Cashpor | 417,000 | 50,452,000 | 1 | 168 |
| Credible | 10,000 | 1,669,540.36 | 2 | 169 |
| DIBAKAR | 1,800 | 145,000 | 1 | 168 |
| GOF | 65,200 | 5,388,000 | 4 | 168 |
| Hope | 62,600 | 4,407,000 | 1 | 166 |
| Jaago | 2,700 | 237,000 | 1 | 167 |
| LOK | 4,900 | 573,000 | 1 | 168 |
| Nano | 25,600 | 3,660,000 | 2 | 169 |
| NBSAAVS | 28,100 | 2,821,000 | 1 | 166 |
| Nirantara | 8,200 | 917,000 | 2 | 168 |
| Parama | 7,100 | 482,000 | 1 | 168 |
| Pragathi | 26,200 | 4,579,000 | 6 | 168 |
| PWMACS | 36,500 | 5,946,000 | 1 | 168 |
| Saadhana | 90,900 | 12,046,000 | 2 | 168 |
| Sambhav | 1,500 | 183,000 | 3 | 168 |
| Seba Rahara | 6,700 | 468,000 | 1 | 168 |
| SU | 61,100 | 5,498,000 | 1 | 168 |
| Swayanshree | 7,900 | 918,000 | 2 | 168 |
| Vikas Samiti | 1,600 | 168,000 | 1 | 168 |
| Vistaar | 4,300 | 1,157,000 | 2 | 166 |
| We The People | 1,100 | 244,000 | 2 | 168 |
| WEMCS | 1,100 | 85,000 | 1 | 168 |
| Yukti | 1,100 | 99,000 | 2 | 168 |
| Key Statistics | |
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| % 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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