| 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 |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 140 |
| Adok Timo | 4,200 | 570,000 | 4 | 172 |
| BIMAS | 11,100 | 4,679,000 | 7 | 140 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 140 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 140 |
| Family Bank | 43,200 | 90,700,000 | 5 | 172 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 140 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 140 |
| KADET | 12,900 | 5,402,000 | 4 | 140 |
| K-Rep | 0 | 0 | 0 | 140 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 172 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 140 |
| LKL | 13,100 | 9,311,000 | 10 | 132 |
| MKL | 18,200 | 5,989,000 | 6 | 117 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 140 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 140 |
| RAFODE | 2,900 | 356,000 | 1 | 140 |
| SISDO | 7,300 | 3,657,000 | 11 | 140 |
| Yehu | 14,000 | 3,149,000 | 11 | 140 |
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| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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