| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Islambad Capital Territory, Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 78,225,144 |
| Total Portfolio (USD) | USD 768,170.91 |
| Active clients with loans | 4,024 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN) |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.swadhaar.com/ |
| Year established | 2008 |
| Head of Institution | Veena Mankar |
| Regions active | 0 |
| # Branches | 27 |
| Total Portfolio (nat'l) | INR 195,640,261 |
| Total Portfolio (USD) | USD 4,347,561.36 |
| Active clients with loans | 27,391 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | INR 6,000 - 34,000 | 12 - 24 | 80% - 100% | 80% - 100% | Business, Housing, Consumer, Education, Some consumption is prohibited based on credit pol | Women, Have business, Salaried worker, Micro-entrepreneurs, salaried or commission-based workers | Credit Educ, Credit Ins | |||||||
| Swayog - Individual Business Loan | INR 8,000 - 50,000 | 3 - 12 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, The client must be the owner of the business. | Credit Educ, Credit Ins |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 0% | 27% - 27.9% | 28% - 28.9% | N/A | ||||||||||
| Swayog - Individual Business Loan | 0% | 40.9% - 44.2% | 42.1% - 46.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 15.0%-18.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27% - 27.9% | 28% - 28.9% | 36 | ||||||||
| Swayog - Individual Business Loan | 36.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 40.9% - 44.2% | 42.1% - 46.6% | 81 |
| 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 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 0% | 27% - 27.9% | 28% - 28.9% | N/A | ||||||||||
| Swayog - Individual Business Loan | 0% | 40.9% - 44.2% | 42.1% - 46.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Swahit - Individual Loan with Joint Liability | 15.0%-18.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27% - 27.9% | 28% - 28.9% | 36 | ||||||||
| Swayog - Individual Business Loan | 36.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 40.9% - 44.2% | 42.1% - 46.6% | 81 |
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| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
