2. AMRDO
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RML
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

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: 113 months
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Institution

Rwanda Microfinance Limited Head OfficeKigaliPO Box 6839
Data approved: 2012-08-10
Data version: 2
Age of data: 143 months
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Product

MC Enterprise Product 1 of 6 « Prev | Next »

Product

Group Loan Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers12,388
Loan Amount (range)PKR 3,000 - 75,000
Loan Term (range)12
Other Services (text summary)Group Mtgs
Annual Interest & Method22.0% annual, Flat
Fees3.00% upfront 2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component37.7% - 38.2%
Fee Component10.1% - 10.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)47.8% - 48.5%
Transparency Index (min/max)45 - 46
Transparency Index (average)45

Product Summary

3,231
RWF 30,000 - 1,000,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins
48.00% annual, Decl Bal
3.00% upfront
1.00% upfront
None
10.00% upfront
 
47.0% - 58.6%
5.6% - 10.6%
2.1% - 4.7%
0
72.5% - 78.4%
47 - 87
63

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

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 497,144,321
Portfolio (USD)USD 776,788
Active Clients with Loans3,231
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan is granted to individual micro-entrepreneurs in groups of between 7 and 30.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
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 institution3
# Regions for this product3
Regions ActiveMuhanga, Musanze, Nyarugenge

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

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 30,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00050%
RWF 500,000-1,500,00050%
RWF 1,500,000-2,500,0000
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months50%
Between 10 and 12 months50%
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

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCovers loss of life and permanent total disability
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
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

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 200,000RWF 250,000RWF 480,000RWF 960,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-042012-08-232012-08-282012-02-29
Loan Term (Months)9.0 months6.0 months10.0 months12.0 months
Grace Period (Months)-0.1 months0.1 months0.0 months0.0 months
Total Cost of CreditRWF 55,634.05RWF 50,817.58RWF 145,818.36RWF 341,754.49
True Price by Comp       
Interest price component53.5%51.8%52.7%52.8%
Fee Component7.9%10.6%7.1%6.2%
Insurance Component2.7%3.7%2.5%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component12.2%12.3%11.7%11.4%
Full APR (int fee ins tax dep)76.3%78.4%74.0%72.5%
Transparency Index63616566
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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