2. Mojaz
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

MOJAZ Foundation Opposite DCO House, District NarowalNarowal, Punjab
Data approved: 2015-05-04
Data version: 2
Age of data: 115 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 174,000,000
Portfolio (USD)USD 1,708,680
Active Clients with Loans11,211
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
MOJAZ provides micro & SME loans starting from PKR 10,000 to PKR 300,000 for income generating activities only under three broad categories of Livestock, Agriculture & Commerce to ctaer trade & business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherLivestock
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00090%
PKR 25,000-50,00010%
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 term18.0 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 usage100%
Average grace period0.4 months
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

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Coverage 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?No
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

Full Pricing Data

Regular Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 20,000 Real 2015-06-01 11.4 months N/A PKR 4,602.74 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 PDF PDF
PKR 15,000 Generated 2015-06-01 11.4 months N/A PKR 3,452.05 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 15,000 Real 2015-06-01 11.4 months N/A PKR 3,452.05 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 PDF PDF
PKR 20,000 Generated 2015-06-01 11.4 months N/A PKR 4,602.74 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 21,000 Generated 2015-06-01 11.4 months N/A PKR 4,832.88 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 22,000 Generated 2015-06-01 11.4 months N/A PKR 5,063.01 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 23,000 Generated 2015-06-01 11.4 months N/A PKR 5,293.15 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 24,000 Generated 2015-06-01 11.4 months N/A PKR 5,523.29 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 25,000 Generated 2015-06-01 11.4 months N/A PKR 5,753.42 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
PKR 40,000 Generated 2015-06-01 11.4 months N/A PKR 9,205.48 41.3% 33.3% 6.0% 2.0% 0.0% 0.0% 48 - PDF
Regular Loan Price Graphs


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  2. DECOF
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación DECOF José María Peña Nº12-35 y MercadilloLojaEC110102
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2004
Head of InstitutionAlejandro Macas
Regions active
# Branches1

Total Portfolio (nat'l)USD 705,025.49
Total Portfolio (USD)USD 705,025.49
Active clients with loans2,200
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Mensual
400 Borrowers
USD 178,652 Portfolio
Active Product
Semanal
1,800 Borrowers
USD 526,373 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microcrédito (mensual) USD 200 - 2,000 3 - 24 80% - 100% 40% - 60% Any Purpose Women Group Mtgs, Credit Ins
Microcrédito (semanal) USD 200 - 2,000 3 - 24 80% - 100% 40% - 60% Any Purpose Women 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
Microcrédito (mensual) 21.0% annual, Decl Bal 0 Fees 1 Ins None 7.0% upfront 4.00 ongoing 20.8% - 21% 26% - 28.9% 77
Microcrédito (semanal) 21.0% annual, Decl Bal 0 Fees 1 Ins None 7.0% upfront 1.00 ongoing 22.7% - 22.8% 28.5% - 33% 69
Institution Price Graph
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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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