| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.thardeep.org |
| Year established | 1998 |
| Head of Institution | Mr. Zaffar Iqbal Junejo |
| Regions active | Sindh |
| # Branches | 86 |
| Total Portfolio (nat'l) | PKR 688,688,701 |
| Total Portfolio (USD) | USD 7,027,435.72 |
| Active clients with loans | 64,750 |
| 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 |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2009 |
| Head of Institution | Phyllis Ayetey |
| Regions active | Northern Region |
| # Branches | 0 |
| Total Portfolio (nat'l) | 0 |
| Total Portfolio (USD) | 0 |
| Active clients with loans | 0 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Credit Union Association (CUA), GHAMFIN |
| Funders | Christian Children's Fund of Canada |
| 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 | 34.6% - 35% | 34.8% - 37.3% | N/A | ||||||||
| Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.8% - 35.3% | 35.3% - 37.8% | N/A | ||||||||
| Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 25% | 19.1% - 27.1% | N/A |
| 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 Ins | None | N/A | 34.6% - 35% | 34.8% - 37.3% | N/A | ||||||||
| Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.8% - 35.3% | 35.3% - 37.8% | N/A | ||||||||
| Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 18.6% - 25% | 19.1% - 27.1% | N/A |
| Key Statistics | |
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| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
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| 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 |
|---|---|---|---|---|---|---|---|
