2. WASIL
Please note that the information you are viewing is 110 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

WASIL FOUNDATION 148-PModel Town ExtensionLahore, Punjab
Data approved: 2015-06-11
Data version: 1
Age of data: 110 months

Product

Murabaha Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 95,012,510
Portfolio (USD)USD 933,022.85
Active Clients with Loans3,982
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Murhabha is monthly installment plan, disbursed for enterprise development. This facility is eqaully available to women and men. WF is operating murabha under islamic mode of financing , through dealing in product sale and purchase.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00010%
PKR 25,000-50,00020%
PKR 50,000-75,00070%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term15.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months40%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan processing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max1,000
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Murabaha samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 30,000 Real 2015-04-24 11.0 months N/A PKR 7,600 53.2% 45.1% 8.1% 0.0% 0.0% 0.0% 41 PDF PDF
PKR 30,000 Generated 2015-06-01 11.0 months N/A PKR 7,057.53 44.8% 37.7% 7.1% 0.0% 0.0% 0.0% 49 - PDF
PKR 50,000 Real 2015-04-10 11.0 months N/A PKR 12,000.40 49.9% 45.1% 4.8% 0.0% 0.0% 0.0% 44 PDF PDF
PKR 50,000 Generated 2015-06-01 11.0 months N/A PKR 11,095.89 41.9% 37.7% 4.2% 0.0% 0.0% 0.0% 52 - PDF
PKR 15,000 Generated 2015-06-01 11.0 months N/A PKR 4,028.77 52.4% 37.7% 14.7% 0.0% 0.0% 0.0% 42 - PDF
PKR 26,000 Generated 2015-06-01 11.0 months N/A PKR 6,249.86 46.0% 37.7% 8.3% 0.0% 0.0% 0.0% 48 - PDF
PKR 29,000 Generated 2015-06-01 11.0 months N/A PKR 6,855.62 45.1% 37.7% 7.4% 0.0% 0.0% 0.0% 49 - PDF
PKR 35,000 Generated 2015-06-01 11.0 months N/A PKR 8,067.12 43.8% 37.7% 6.1% 0.0% 0.0% 0.0% 50 - PDF
PKR 45,000 Generated 2015-06-01 14.0 months N/A PKR 12,581.64 41.7% 37.8% 3.9% 0.0% 0.0% 0.0% 53 - PDF
PKR 65,000 Generated 2015-06-01 14.0 months N/A PKR 17,729.04 40.5% 37.8% 2.7% 0.0% 0.0% 0.0% 54 - PDF
Murabaha Price Graphs


Click to view Price Analysis Tool
  2. Equitas
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Equitas 4th Floor, Temple Tower, 672 Anna Salai, NandanamChennai, Tamil Nadu600035
Data approved: 2011-01-05
Data version: 1
Age of data: -   months 
Choose version

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2007
Head of InstitutionPN Vasudevan
Regions active0
# Branches200

Total Portfolio (nat'l)INR 7,037,928,578
Total Portfolio (USD)USD 156,398,412.80
Active clients with loans880,000
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

Additional Micro Credit - Upcountry
50,591 Borrowers
USD 2,282,825 Portfolio
Active Product
Additional Micro credit -Metro
37,675 Borrowers
USD 1,380,675 Portfolio
Active Product
Additional Micro-Credit
94,472 Borrowers
USD 2,842,053 Portfolio
Active Product
Gurukul Loan
81 Borrowers
USD 6,139 Portfolio
Active Product
Primary Loans - Metro
33,216 Borrowers
USD 40,847,585 Portfolio
Active Product
Primary loans - Rural
22,518 Borrowers
USD 4,897,557 Portfolio
Active Product
Primary Loans - Upcountry
645,050 Borrowers
USD 98,593,250 Portfolio
Active Product
Primary Loans
1,321,784 Borrowers
USD 186,370,484 Portfolio
Active Product
Second cycle loan - Metro
13,532 Borrowers
USD 4,041,455 Portfolio
Active Product
Second Cycle Loan - Upcountry
1,959 Borrowers
USD 643,923 Portfolio
Active Product
2nd Cycle
74,194 Borrowers
USD 20,144,662 Portfolio
Active Product
Shiksha Loan
1,423 Borrowers
USD 20,212 Portfolio
Active Product
3rd Cycle
0 Borrowers
Portfolio
Active Product
Vidya loan - Metro
12,093 Borrowers
USD 624,206 Portfolio
Active Product
Vidya loan - Upcountry
50,784 Borrowers
USD 3,086,936 Portfolio
Active Product
Vidya Loan
98,753 Borrowers
USD 3,225,319 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Additional Micro Credit - Upcountry INR 3,000 - 3,000 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Additional Micro credit -Metro INR 3,000 - 3,000 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Additional Micro-Credit INR 3,000 - 3,000 6 - 9 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Gurukul Loan INR 3,035 - 6,000 12 80% - 100% 80% - 100% Education Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day Group Mtgs
Primary Loans - Metro INR 10,100 - 15,000 23 - 24 80% - 100% 80% - 100% Business Women, Have business, either client runs business or husband runs busines Credit Educ, Group Mtgs, Credit Ins
Primary loans - Rural INR 10,100 - 15,000 23 - 24 80% - 100% 0% - 20% Business Women, Have business, Either client runs business or husband runs business Credit Educ, Group Mtgs, Credit Ins
Primary Loans - Upcountry INR 10,100 - 15,000 23 - 24 80% - 100% 80% - 100% Business Women, Have business, Either client runs business or husband runs business Credit Educ, Group Mtgs, Credit Ins
Primary Loans INR 10,100 - 12,000 24 80% - 100% 80% - 100% Business Women, Have business, either client runs business or husband runs business and the client has an active role Credit Educ, Group Mtgs, Credit Ins
Second cycle loan - Metro INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Second Cycle Loan - Upcountry INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Second Cycle Loan INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Shiksha Loan INR 750 - 5,000 12 80% - 100% 80% - 100% Education Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day
Third Cycle Loan INR 10,100 - 15,000 24 80% - 100% 0% Business Women, Have business Credit Educ, Group Mtgs
Vidya loan - Metro INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Credit Educ, Group Mtgs, Credit Ins
Vidya loan - Upcountry INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Group Mtgs, Credit Ins
Vidya Loan INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Credit Educ, Group Mtgs, Credit Ins

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
Additional Micro Credit - Upcountry 0% 25.7% 26.5% N/A
Additional Micro credit -Metro 0% 0% 0% N/A
Additional Micro-Credit 0% 0% 0% N/A
Gurukul Loan 0% 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 0% 0% 0% N/A
Primary loans - Rural 0% 28.5% 29.4% N/A
Primary Loans - Upcountry 0% 27.5% 28.4% N/A
Primary Loans 0% 0% 0% N/A
Second cycle loan - Metro 0% 0% 0% N/A
Second Cycle Loan - Upcountry 0% 27.5% 28.4% N/A
Second Cycle Loan 0% 0% 0% N/A
Shiksha Loan 0% 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 0% 0% 0% N/A
Vidya loan - Metro 0% 24.5% 25.3% N/A
Vidya loan - Upcountry 0% 25.7% 26.5% N/A
Vidya Loan 0% 0% 0% 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
Additional Micro Credit - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins None N/A 25.7% 26.5% 96
Additional Micro credit -Metro 24.5% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Additional Micro-Credit 25.3%-26.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Gurukul Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 26.5%-28.3% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Primary loans - Rural 28.5%-30.2% annual, Decl Bal 1 Fee 0 Ins None N/A 28.5% 29.4% 97
Primary Loans - Upcountry 27.5%-29.2% annual, Decl Bal 2 Fees 0 Ins None N/A 27.5% 28.4% 97
Primary Loans 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Second cycle loan - Metro 26.5% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Second Cycle Loan - Upcountry 27.5% annual, Decl Bal 1 Fee 0 Ins None N/A 27.5% 28.4% 97
Second Cycle Loan 26.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Shiksha Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 25.4% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Vidya loan - Metro 24.5% annual, Decl Bal 2 Fees 0 Ins None N/A 24.5% 25.3% N/A
Vidya loan - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins None N/A 25.7% 26.5% 96
Vidya Loan 24.5%-26.5% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Institution Price Graph
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞