2. FMFB
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Arohan
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 136 months

Institution

Arohan Financial Services Ltd. 195/1, Prafulla, Rajdanga Chakraborty Para,Kasba,Kolkata, West Bengal700107
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.akdn.org/pakistan_microfinance.asp
Year established2002
Head of InstitutionAmir Masood Khan
Regions activeAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches133

Total Portfolio (nat'l)PKR 4,020,148,567
Total Portfolio (USD)USD 41,021,924.15
Active clients with loans166,267
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
FundersAga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.arohan.in/
Year established1991
Head of InstitutionShubhankar Sengupta
Regions active0
# Branches86

Total Portfolio (nat'l)INR 977,953,655
Total Portfolio (USD)USD 21,732,303.44
Active clients with loans187,754
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, Sa-Dhan

Loan Products » Summary

Agriculture
63,528 Borrowers
USD 16,214,001.18 Portfolio
Active Product
Enterprise
54,724 Borrowers
USD 8,530,425.54 Portfolio
Active Product
Livestock S
33,590 Borrowers
USD 8,406,219.68 Portfolio
Active Product
Livestock M
103 Borrowers
USD 47,239.66 Portfolio
Active Product
General
494 Borrowers
USD 137,748.27 Portfolio
Active Product
Pension
10,197 Borrowers
USD 5,358,363.83 Portfolio
Active Product
Salary
2,939 Borrowers
USD 1,829,346.10 Portfolio
Active Product
Gold
458 Borrowers
USD 324,813.30 Portfolio
Active Product
Near Cash
233 Borrowers
USD 173,650.49 Portfolio
Active Product

Loan Products » Summary

Bazar
13,262 Borrowers
USD 1,978,910 Portfolio
Active Product
Saral Product - Bihar
10,357 Borrowers
USD 1,299,961 Portfolio
Active Product
Saral Product- WB
164,135 Borrowers
USD 18,453,432 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Bazar Loan INR 6,000 - 18,000 10.5 0% - 20% 80% - 100% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Saral Product - Bihar INR 5,000 - 17,000 13.3 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
Saral Product- WB INR 5,000 - 17,500 13.3 80% - 100% 80% - 100% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Bazar Loan 0% 35.1% - 36.2% 37% N/A
Saral Product - Bihar 0% 29.4% - 30.6% 31.9% N/A
Saral Product- WB 0% 25.5% - 27% 28% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bazar Loan 27.3% annual, Decl Bal 2 Fees 0 Ins None N/A 35.1% - 36.2% 37% 74
Saral Product - Bihar 24.1% annual, Decl Bal 1 Fee 0 Ins None N/A 29.4% - 30.6% 31.9% 76
Saral Product- WB 24.1% annual, Decl Bal 2 Fees 0 Ins None N/A 25.5% - 27% 28% 86

Loan Products » Pricing Information

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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Bazar Loan 0% 35.1% - 36.2% 37% N/A
Saral Product - Bihar 0% 29.4% - 30.6% 31.9% N/A
Saral Product- WB 0% 25.5% - 27% 28% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Bazar Loan 27.3% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 35.1% - 36.2% 37% 74
Saral Product - Bihar 24.1% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.4% - 30.6% 31.9% 76
Saral Product- WB 24.1% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 25.5% - 27% 28% 86
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAgricultureAnyBusinessEducationLoan PurposeFMFBInstitutionPK-028-V01-P01PK-028-V01-P02PK-028-V01-P03PK-028-V01-P04PK-028-V01-P05PK-028-V01-P06PK-028-V01-P07PK-028-V01-P08PK-028-V01-P09ProductPKCountry2013YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 8,2006,1004,1002,000200Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyLoan PurposeArohanInstitutionIN-005-V01-P01IN-005-V01-P02IN-005-V01-P03ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 49,00036,00024,00012,0001,300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Key Statistics
# 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
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