2. AMRDO
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. IRAM
Please note that the information you are viewing is 146 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.14/A, Abdullah CityNear Naseem Nagar ChowkHyderabad, Sindh
Data approved: 2013-12-11
Data version: 1
Age of data: -   months 
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Institution

Rede das Caixas Rurais de Nampula Parque dos Continuadores n. 23/BNampula, Nampula
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Product

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Product Summary

Number borrowers11,283
Loan Amount (range)PKR 3,000 - 75,000
Loan Term (range)12
Other Services (text summary)Group Mtgs
Annual Interest & Method22.0% annual, Flat
Fees90.00-2,250.00 upfront 60.00-1,500.00 upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component23.0% - 40.3%
Fee Component4.0% - 10.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)50.2% - 51.1%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

7,513
MZN 2,000 - 20,000
5 - 12
Credit Educ, Group Mtgs, Business Training, Other Training
30.0% annual, Decl Bal
None
1.00% upfront
None
5.0% upfront
 
N/A
0 (Int+Fee)
0
0
0
-1
N/A

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 71,917,312
Portfolio (USD)USD 733,850.12
Active Clients with Loans11,283
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 productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 26,757,500
Portfolio (USD)USD 863,145
Active Clients with Loans7,513
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
Credito fornecido a grupos de 5 pessoas para fins de actividades agricolas
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institutionN/A
# Regions for this productN/A
Regions Active

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
CurrencyMZN
Minimum loan sizeMZN 2,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term5.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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 paymentx
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 - min00
% of loan amount - max00
OR, Fixed amount - min9060
Fixed amount - max2,2501,500
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionPara cobertura do credito vigente em caso de falecimento do cliente
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
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
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 25,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-01-172014-01-272014-01-24
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.2 months-0.3 months-0.2 months
Total Cost of CreditPKR 2,700PKR 6,750PKR 13,500
True Price by Comp     
Interest price component39.6%40.3%39.5%
Fee Component10.7%10.8%10.7%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)50.3%51.1%50.2%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Credito Solidario samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountMZN 2,000MZN 4,000MZN 8,000MZN 12,000MZN 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-102011-07-052011-06-082011-06-082011-05-14
Loan Term (Months)N/AN/AN/AN/AN/A
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee ComponentDKDKDKDKDK
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)DKDKDKDKDK
Transparency Index-1-1-1-1-1
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
MC Enterprise Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeAMRDOInstitutionPK-032-V01-P01ProductPKCountry2013YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 1,10080050020030Number of Borrowers
Click to view Price Analysis Tool
Credito Solidario Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAgricultureLoan PurposeIRAMInstitutionMZ-012-V01-P03ProductMZCountry2012YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)Full APR (int fee ins tax dep)> 2,2001,6001,10050060Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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
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