2. AMRDO
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Al-Mehran Rural Development Organization Banglow No. 16-A, Prince Town Phase IIBehind Naitonal Bank, Main Wadhu wah road, QasimabadHyderabad, Sindh
Data approved: 2015-05-12
Data version: 2
Age of data: 115 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 80,158,167
Portfolio (USD)USD 787,153.20
Active Clients with Loans12,388
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Micro Credit Enterprise loans offered for micro enterprise development of the existing businesses.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
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 ActiveSindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 3,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 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 months100%
Between 13 and 18 months0
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 1Fee 2
DescriptionRegistration FeeEmergency Fund Fee
% of loan amount - min3.00%2.00%
% of loan amount - max3.00%2.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationRegistration fee is charged @ 3% of disbursment amount.Emergency Fund Fee is charged @ 2% of disbursement amount.
Appears on Repayment Sched?NoNo
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

MC Enterprise 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 25,000 Real 2015-02-01 12.0 months N/A PKR 6,750 48.5% 38.2% 10.3% 0.0% 0.0% 0.0% 45 PDF PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 6,765.07 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 10,000 Real 2015-03-01 12.0 months N/A PKR 2,700 47.8% 37.7% 10.1% 0.0% 0.0% 0.0% 46 PDF PDF
PKR 10,000 Generated 2015-06-01 12.0 months N/A PKR 2,706.03 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 10,000 Generated 2015-06-01 12.0 months N/A PKR 2,706.03 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 15,000 Generated 2015-06-01 12.0 months N/A PKR 4,059.04 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 5,412.05 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 22,000 Generated 2015-06-01 12.0 months N/A PKR 5,953.26 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 6,765.07 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
PKR 60,000 Generated 2015-06-01 12.0 months N/A PKR 16,236.16 47.9% 37.8% 10.1% 0.0% 0.0% 0.0% 46 - PDF
MC Enterprise Price Graphs


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  2. COAC Ambato
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorro y Credito Ambato Ltda Lalama 08-51 y Juan B VelaAmbato, Tungurahua
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionJOSE SANTOS CHANGO UÑOG
Regions active
# Branches6

Total Portfolio (nat'l)USD 16,830,803
Total Portfolio (USD)USD 16,830,803
Active clients with loans5,308
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

Consumo
595 Borrowers
USD 1,816,861 Portfolio
Active Product
Microcredito
760 Borrowers
USD 14,598,939 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 200 - 20,000 2 - 30 20% - 40% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men Credit Educ
Microcredito USD 400 - 50,000 4 - 30 0% - 20% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 15.2%-18.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 13.3% - 15.4% 15.7% - 18.3% 87
Microcredito 18.0% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 15.4% - 23.1% 18.2% - 27.1% 77
Institution Price Graph
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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