2. Mojaz
Please note that the information you are viewing is 113 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: 113 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. Disha Microfin
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Disha Microfin Pvt Ltd 404, 4th Floor, 3rd EyePanchwati Cross Road, C. G. RoadAhmedabad, GujuratPO Box 380006
Data approved: 2013-05-28
Data version: 2
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.dishamicrofin.com
Year established1995
Head of InstitutionSameer Nanavati
Regions activeGujarat
# Branches24

Total Portfolio (nat'l)INR 759,625,000
Total Portfolio (USD)USD 14,332,547.17
Active clients with loans69,053
Approximate % female clients100%
Approximate % urban clients0
Network affiliationsMFIN

Loan Products » Summary

Gati F
42,080 Borrowers
USD 7,238,207.55 Portfolio
Active Product
Pragati R
26,973 Borrowers
USD 7,094,339.62 Portfolio
Active Product
Gati
Retired Product
Pragati
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Gati F INR 12,000 - 15,000 15 - 18 100% 0% - 20% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be economically active Credit Educ, Group Mtgs, Credit Ins
Pragati R INR 15,000 - 25,000 15 - 24 100% 0% - 20% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH, Must be economically active Credit Educ, Group Mtgs, Credit Ins

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
Gati F 24.9% - 27.1% 26.5% - 28.4% 29.4% - 30.7% Yes Yes Yes 100
Pragati R 25.1% - 27.9% 26.2% - 28.9% 29% - 31.6% Yes Yes Yes 99
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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
Gati F 26.0%-28.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.5% - 28.4% 29.4% - 30.7% 87
Pragati R 26.0%-28.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.2% - 28.9% 29% - 31.6% 86
Institution Price Graph
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Key Statistics
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# 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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