Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.akdn.org/pakistan_microfinance.asp |
Year established | 2002 |
Head of Institution | Amir Masood Khan |
Regions active | Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 133 |
Total Portfolio (nat'l) | PKR 4,020,148,567 |
Total Portfolio (USD) | USD 41,021,924.15 |
Active clients with loans | 166,267 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN) |
Funders | Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA) |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.grupofortaleza.com.bo/ |
Year established | 2002 |
Head of Institution | Nelson Hinojosa Jimenez |
Regions active | Chuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija |
# Branches | 7 |
Total Portfolio (nat'l) | BOB 1,120,213,180 |
Total Portfolio (USD) | USD 165,957,508.10 |
Active clients with loans | 21,147 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 60% - 80% |
Network affiliations | ASOFIN |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | PKR 10,000 - 150,000 | 3 - 14 | 0% - 20% | 0% | Agriculture | Women, Men, Has owned or contracted cultivation land and has experience of cultivation | Group Mtgs, Credit Ins | |||||||
Enterprise Finance | PKR 15,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Start up can also avail loan facility | Group Mtgs, Credit Ins | |||||||
Livestock Finance (Short Term) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Small animal purchase, raring, fattening and productivity enhancement of large animals | Women, Men | Group Mtgs, Credit Ins | |||||||
Livestock Finance (Medium Term) | PKR 30,000 - 80,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business, Purchase of milking cow/buffallo | Women, Men, Must have at least 2 existing milking animals | Group Mtgs, Credit Ins | |||||||
General Purpose Finance | PKR 10,000 - 50,000 | 3 - 12 | 40% - 60% | 0% - 20% | Housing, Education, Other | Women, Men | Group Mtgs, Credit Ins | |||||||
Micro Pensioner Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Must be a pensioner | Credit Ins | |||||||
Low Salary Employees Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Individual Loan Against Gold | PKR 35,000 - 150,000 | 3 - 12 | 40% - 60% | 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Individual Loan Against Cash/Near Cash | PKR 20,000 - 150,000 | 3 - 24 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Anticrédito Hoy | BOB 15,000 - 140,000 | 25 - 62 | 40% - 60% | 60% - 80% | Business, Activo Fijo | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Dinero Hoy | BOB 15,000 - 30,000 | 6 - 50 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Linea de Credito Optima | BOB 14,000 - 140,000 | 27 - 118 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Crédito Tasa 0 | BOB 1,440 - 35,000 | 24 - 61 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
Crédito Capital Expreso | BOB 70,000 - 350,000 | 5 - 69 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
Crédito Hipotecario de Vivienda | BOB 70,000 - 14,000,000 | 24 - 305 | 0% - 20% | 60% - 80% | Vivienda | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Crédito Vehículo Nuevo | BOB 40,000 - 700,000 | 49 - 98 | 20% - 40% | 60% - 80% | Uso particular compra vehiculo nuevo | Women, Men, Salaried worker | Credit Ins | |||||||
Crédito de Consumo | BOB 16,000 - 600,000 | 1 - 152 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Crédito para Capital de Operaciones | BOB 16,000 - 350,000 | 3 - 119 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Ins | |||||||
Crédito para Capital de Inversión | BOB 16,000 - 350,000 | 3 - 244 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Anticrédito Hoy | 20.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.1% | 21% | 96 | ||||||||
Dinero Hoy | 22.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.1% | 22.9% | 96 | ||||||||
Linea de Credito Optima | 21.6% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 21.7% | 22.5% | 96 | ||||||||
Crédito Tasa 0 | 19.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 19.1% | 20% | 95 | ||||||||
Crédito Capital Expreso | 15.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 15.2% - 17.9% | 16% - 20% | 59 | ||||||||
Crédito Hipotecario de Vivienda | 11.0%-18.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 15.3% - 18.6% | 16.4% - 19.5% | 43 | ||||||||
Crédito Vehículo Nuevo | 12.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 12.1% | 13% | 62 | ||||||||
Crédito de Consumo | 17.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 17.1% - 27.6% | 18% - 28.4% | 100 | ||||||||
Crédito para Capital de Operaciones | 18.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.6% - 27.6% | 19.5% - 28.4% | 100 | ||||||||
Crédito para Capital de Inversión | 18.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.1% - 27.6% | 19% - 27.8% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Anticrédito Hoy | 20.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 20.1% | 21% | 96 | ||||||||
Dinero Hoy | 22.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.1% | 22.9% | 96 | ||||||||
Linea de Credito Optima | 21.6% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 21.7% | 22.5% | 96 | ||||||||
Crédito Tasa 0 | 19.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 19.1% | 20% | 95 | ||||||||
Crédito Capital Expreso | 15.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 15.2% - 17.9% | 16% - 20% | 59 | ||||||||
Crédito Hipotecario de Vivienda | 11.0%-18.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 15.3% - 18.6% | 16.4% - 19.5% | 43 | ||||||||
Crédito Vehículo Nuevo | 12.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 12.1% | 13% | 62 | ||||||||
Crédito de Consumo | 17.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 17.1% - 27.6% | 18% - 28.4% | 100 | ||||||||
Crédito para Capital de Operaciones | 18.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.6% - 27.6% | 19.5% - 28.4% | 100 | ||||||||
Crédito para Capital de Inversión | 18.0%-27.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.1% - 27.6% | 19% - 27.8% | 100 |
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