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. SKS
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

SKS Microfinance Ashoka Raghupathi Chamber, D. No. 1-10-60 to 62, opp Shoppers stop BegumpetHyderabad, Andhra Pradesh500016
Data approved: 2010-10-25
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.microoption.org
Year established2009
Head of InstitutionShazia Abbas
Regions activeIslambad Capital Territory, Punjab
# Branches5

Total Portfolio (nat'l)PKR 78,225,144
Total Portfolio (USD)USD 768,170.91
Active clients with loans4,024
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsPunjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN)
FundersPakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations

Institution Details

Institution TypePublic 'For Profit'
Is this institution regulated?N/A
Website addresshttp://www.sksindia.com/
Year established1997
Head of InstitutionMR. Rao
Regions active0
# Branches2407

Total Portfolio (nat'l)INR 54,336,444,913
Total Portfolio (USD)USD 1,207,476,554
Active clients with loans6,662,415
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Livestock
1,831 Borrowers
USD 384,027.30 Portfolio
Active Product
Commerce
1,813 Borrowers
USD 247,824.93 Portfolio
Active Product
Agriculture
344 Borrowers
USD 120,730.65 Portfolio
Low Volume Product
Biogas
14 Borrowers
USD 6,812.63 Portfolio
Low Volume Product
Solar Energy
22 Borrowers
USD 8,775.40 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Income
5,413,782 Borrowers
USD 817,545,989 Portfolio
Active Product
Mid Term
1,697,801 Borrowers
USD 137,961,798 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livestock Loan PKR 5,000 - 75,000 12 40% - 60% 0% - 20% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training
Commerce Loan PKR 5,000 - 30,000 12 20% - 40% 60% - 80% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Income Generating Loan INR 2,000 - 30,000 11.5 80% - 100% 0% - 20% Business Women, 60% of the members in the centers are required to own homes, we follow Joint Group liability model. Credit Educ, Group Mtgs, Credit Ins
Mid Term Loan INR 2,000 - 15,000 11.5 80% - 100% 0% - 20% Business Women, 60% of the members in the centers are required to own homes, we follow joint\\Group liability model. Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Income Generating Loan 26.8% 26.8% - 31.5% 28.9% - 35.9% 47
Mid Term Loan 0% 26.8% - 32.1% 31.2% - 36.6% N/A
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Income Generating Loan 12.5%-15.0% annual, Flat 2 Fees 0 Ins None N/A 26.8% - 31.5% 28.9% - 35.9% 37
Mid Term Loan 12.5%-15.0% annual, Flat 2 Fees 0 Ins None N/A 26.8% - 32.1% 31.2% - 36.6% 38

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Income Generating Loan 26.8% 26.8% - 31.5% 28.9% - 35.9% 47
Mid Term Loan 0% 26.8% - 32.1% 31.2% - 36.6% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Income Generating Loan 12.5%-15.0% annual, Flat 2 Fees 0 Ins Ins None N/A 26.8% - 31.5% 28.9% - 35.9% 37
Mid Term Loan 12.5%-15.0% annual, Flat 2 Fees 0 Ins Ins None N/A 26.8% - 32.1% 31.2% - 36.6% 38
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeMicro OptionsInstitutionPK-041-V02-P02PK-041-V02-P03ProductPKCountry2015YearRange Number2Institution Data Version020,00040,00060,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 90040050Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Public \'For Profit\'Institution TypeBusinessLoan PurposeSKSInstitutionIN-065-V02-P01IN-065-V02-P02ProductINCountry2010YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,300,0001,000,000670,000330,00037,000Number 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.
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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