2. Micro Options
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CFF
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2015-05-05
Data version: 2
Age of data: 118 months
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Institution

Cedi Finance Foundation Head OfficeAsafoKumasi, AshantiPO Box KS 12683
Data approved: 2013-02-21
Data version: 2
Age of data: 144 months
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Product

Livestock Loan Product 2 of 5 « Prev | Next »

Product

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Product Summary

Number borrowers1,831
Loan Amount (range)PKR 5,000 - 75,000
Loan Term (range)12
Other Services (text summary)Group Mtgs, Tech Asst Visits, Other Training
Annual Interest & Method26.0%-31.0% annual, Decl Bal
Fees3.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component28.5% - 30.5%
Fee Component4.2% - 5.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.9% - 34.0%
Transparency Index (min/max)72 - 79
Transparency Index (average)78

Product Summary

109
GHS 200 - 3,000
4 - 9
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
48.00% annual, Flat
1.00% upfront
None
None
33.30% upfront
 
68.2% - 77.5%
2.7% - 4.7%
0
0
141.6% - 150.5%
32 - 34
32

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 39,106,650
Portfolio (USD)USD 384,027.30
Active Clients with Loans1,831
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Live Stock, Breeding, Rearing etc.
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 visitsx
Business training
Other trainingx
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 27,463
Portfolio (USD)USD 13,940.61
Active Clients with Loans109
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This is an agricultural loan designed to finance primary producers.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSmall-scale businesses
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
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
OtherMust be an active farmer.
Other (2)Must be a farmer group member, and live in the same community as the group.
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveEastern Region, Ashanti Region

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00030%
PKR 25,000-50,00040%
PKR 50,000-75,00020%
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 usage10%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00010%
GHS 1,000-5,00090%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term9.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months60%
Between 7 and 9 months40%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage30%
Average grace period6 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest26.00%
Highest quoted nominal interest31.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLOAN PROCESSING FEE
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationVaries on loan size
Appears on Repayment Sched?Yes
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 MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% 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?Yes
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 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 deposited33.30%
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

Livestock Loan samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2015-03-25 12.0 months N/A PKR 6,982 34.0% 29.8% 4.2% 0.0% 0.0% 0.0% 77 PDF PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 6,618.57 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 20,000 Real 2015-03-25 12.0 months N/A PKR 5,366 32.9% 28.7% 4.2% 0.0% 0.0% 0.0% 79 PDF PDF
PKR 20,000 Generated 2015-06-01 11.8 months N/A PKR 5,294.86 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 26,000 Generated 2015-06-01 11.8 months N/A PKR 6,883.32 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 7,942.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 40,000 Generated 2015-06-01 11.8 months N/A PKR 10,589.72 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 13,237.15 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 15,884.58 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 17,208.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 600GHS 1,500GHS 3,000
Loan Cycle (1, 2, 3, etc)911Not Known
Disbursement Date2012-12-062012-12-062013-02-072013-01-14
Loan Term (Months)6.0 months4.4 months4.4 months9.0 months
Grace Period (Months)0.7 months0.7 months0.7 months0.7 months
Total Cost of CreditGHS 75GHS 102GHS 255GHS 1,110
True Price by Comp       
Interest price component74.1%68.2%68.2%77.5%
Fee Component3.5%4.7%4.7%2.7%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component72.4%68.7%68.7%70.3%
Full APR (int fee ins tax dep)150.0%141.6%141.6%150.5%
Transparency Index32343432
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Livestock Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeMicro OptionsInstitutionPK-041-V02-P02ProductPKCountry2015YearRange Number2Institution Data Version020,00040,00060,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 70030040Number of Borrowers
Click to view Price Analysis Tool
Business Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCFFInstitutionGH-014-V02-P01ProductGHCountry2013YearRange Number2Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 90405Number of Borrowers
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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