| 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? | No |
| Website address | http://www.simbag.org/ |
| Year established | 1994 |
| Head of Institution | Remegia L. Balucio |
| Regions active | |
| # Branches | 18 |
| Total Portfolio (nat'l) | PhP 205,575,411 |
| Total Portfolio (USD) | USD 4,918,072.03 |
| Active clients with loans | 26,942 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | People's Credit and Fiannce Corporation |
| Funders | Manos Unidas |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balay Asenso | PHP 1,000 - 20,000 | 5 - 10 | 80% - 100% | 20% - 40% | Housing | Women, Men, Have business, Have home or land, Member for > 6 months, At least on the 2nd cycle of regular loan | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
| Productive Loan | PHP 1,000 - 150,000 | 2 - 10 | 80% - 100% | 20% - 40% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Advocacy & scholarship program; Social Services, Spiritual & Formation Activities, Enterprise Development & Services, Calamity Relief Assistance | |||||||
| Sagip Asenso | PHP 1,000 - 10,000 | 5 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Member for > 6 months, At least on the 2nd cycle of regular loan | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balay Asenso | 24.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 10.00 ongoing | 57.4% - 71.3% | 69.8% - 94.1% | 29 | ||||||||
| Productive Loan | 24.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 10.00 ongoing | 57.4% - 67.6% | 75.4% - 163.5% | 25 | ||||||||
| Sagip Asenso | 24.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 10.00 ongoing | 64.1% - 72.7% | 82.2% - 96% | 28 |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balay Asenso | 24.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 10.00 ongoing | 57.4% - 71.3% | 69.8% - 94.1% | 29 | ||||||||
| Productive Loan | 24.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 10.00 ongoing | 57.4% - 67.6% | 75.4% - 163.5% | 25 | ||||||||
| Sagip Asenso | 24.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 10.00 ongoing | 64.1% - 72.7% | 82.2% - 96% | 28 |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
