| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.amrdo.org |
| Year established | 1998 |
| Head of Institution | Mr. Abdul Jabbar Chhachhar |
| Regions active | Sindh |
| # Branches | 8 |
| Total Portfolio (nat'l) | PKR 81,098,856 |
| Total Portfolio (USD) | USD 827,539.35 |
| Active clients with loans | 12,034 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MON-PAK, NHN-Sindh Chapter, SMN-Sindh, FANSA-Pakistan Chapter |
| Funders | Pakistan Povery Alleviation Fund-PPAF/Orix Leasing Pakistan, United Nations Development Program-UNDP, Aurat Foundation-USAID, OPP-OCT/RTI-MISEROR |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1987 |
| Head of Institution | Dr. Vicente R. Geducos, CPA |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | PhP 77,295,975.67 |
| Total Portfolio (USD) | USD 1,849,186.02 |
| Active clients with loans | 18,350 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Opportunity International Network, Alliance for Philippine Partners in Enterprise Development (APPEND), Mindanao Microfinance Council (MMC), Philippine Partnership for the Development of Human Resources in Rural Areas (PhilDHRRA) |
| Funders | OIKOCredit, People's Credit and Finance Corporation (PCFC), PinoyMe Foundation, Small Business Corporation (SBC) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | PKR 3,000 - 75,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Group Mtgs | |||||||
| PSLW | PKR 100,000 - 300,000 | 18 - 24 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | ||||||||
| Livestock and Agriculture | PKR 3,000 - 75,000 | 6 - 12 | 40% - 60% | 80% - 100% | Agriculture, Livestock | Women, Men, Have home or land | Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | PHP 3,000 - 30,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program | |||||||
| Individual Loan | PHP 10,000 - 40,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 50.2% - 51.1% | 50.2% - 51.1% | N/A | ||||||||
| PSLW | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 33.3% - 33.6% | 33.3% - 33.6% | N/A | ||||||||
| Livestock and Agriculture | 22.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 33.4% - 48.7% | 33.4% - 48.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
| Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 50.2% - 51.1% | 50.2% - 51.1% | N/A | ||||||||
| PSLW | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 33.3% - 33.6% | 33.3% - 33.6% | N/A | ||||||||
| Livestock and Agriculture | 22.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 33.4% - 48.7% | 33.4% - 48.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
| Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
