| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.agahe.org.pk/ |
| Year established | 2001 |
| Head of Institution | Mubarak Ali Sarwar |
| Regions active | Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 81,185,156 |
| Total Portfolio (USD) | USD 797,238.23 |
| Active clients with loans | 7,365 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Punjab Micro Finance Network, Human Resource Development Network, Punjab NGO Coordination Council, Pakistan Center for Philanthropy |
| Funders | Pakistan Poverty Alleviation Fund, Water Aid, IOM, UN-OCHA / ERF |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | Sanja Tiwari |
| Regions active | |
| # Branches | 1 |
| Total Portfolio (nat'l) | INR 20,329,000 |
| Total Portfolio (USD) | USD 383,566.04 |
| Active clients with loans | 1,539 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | PKR 15,000 - 30,000 | 12 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Group Mtgs, Credit Ins, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Loan | INR 5,000 - 12,000 | 12 | 80% - 100% | 40% - 60% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Agricultural Loan | INR 5,000 - 12,000 | 6 | 80% - 100% | 0% - 20% | Business, Can ONLY be used for working capital | Women, Agricutual needs and working capital | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 37.3% - 37.6% | 39.3% - 39.6% | 50 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Loan | 0% | 37.5% - 43.6% | 38.6% - 44.8% | N/A | ||||||||||
| Agricultural Loan | 0% | 27.6% - 27.9% | 29% - 29.3% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Loan | 18.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 37.5% - 43.6% | 38.6% - 44.8% | 43 | ||||||||
| Agricultural Loan | 18.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 27.6% - 27.9% | 29% - 29.3% | 61 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 37.3% - 37.6% | 39.3% - 39.6% | 50 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Loan | 0% | 37.5% - 43.6% | 38.6% - 44.8% | N/A | ||||||||||
| Agricultural Loan | 0% | 27.6% - 27.9% | 29% - 29.3% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Small Business Loan | 18.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 37.5% - 43.6% | 38.6% - 44.8% | 43 | ||||||||
| Agricultural Loan | 18.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 27.6% - 27.9% | 29% - 29.3% | 61 |
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