2. OPD
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

Organization For Partcipatory Development Gulzar E Ibrahim Street No 1,Gujranwala, Punjab52250
Data approved: 2015-04-18
Data version: 2
Age of data: 113 months
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Product

Working Capital Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 92,852,499
Portfolio (USD)USD 911,811.54
Active Clients with Loans7,465
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Working Capital Loan product is offered only for enterprise development.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 size45,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00080%
PKR 25,000-50,00015%
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 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 usage0
Average grace periodDK
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 1Fee 2
DescriptionProcessing FeeContigency Fee
% of loan amount - min3.00%1.00%
% of loan amount - max3.00%1.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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

Full Pricing Data

Working Capital 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 25,000 Real 2014-04-05 12.0 months N/A PKR 6,000 42.5% 34.5% 8.0% 0.0% 0.0% 0.0% 47 PDF PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 6,013.70 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 15,000 Real 2014-04-10 12.0 months N/A PKR 3,600 42.5% 34.5% 8.0% 0.0% 0.0% 0.0% 47 PDF PDF
PKR 15,000 Generated 2015-06-01 12.0 months N/A PKR 3,608.22 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 10,000 Generated 2015-06-01 12.0 months N/A PKR 2,405.48 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 14,000 Generated 2015-06-01 12.0 months N/A PKR 3,367.67 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 18,000 Generated 2015-06-01 12.0 months N/A PKR 4,329.86 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 22,000 Generated 2015-06-01 12.0 months N/A PKR 5,292.05 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 7,216.44 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,621.92 42.6% 34.6% 8.0% 0.0% 0.0% 0.0% 47 - PDF
Working Capital Loan Price Graphs


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  2. SKS
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

SKS Microfinance My Home Tycoon Building, KundanbaghAbove Life Style, Begumpet Main RoadHyderabad, Andhra PradeshPO Box 500016
Data approved: 2013-04-02
Data version: 3
Age of data: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.sksindia.com/
Year established1997
Head of InstitutionMR. Rao
Regions activeAndhra Pradesh, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal
# Branches1238

Total Portfolio (nat'l)INR 18,872,236,695
Total Portfolio (USD)USD 356,079,937.60
Active clients with loans4,172,370
Approximate % female clients100%
Approximate % urban clients20% - 40%
Network affiliations

Loan Products » Summary

Income
2,484,407 Borrowers
USD 267,399,111.90 Portfolio
Active Product
Mid Term
924,623 Borrowers
USD 87,630,642.77 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Income Generating Loan INR 2,000 - 14,000 11.5 100% 20% - 40% Business Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins, Other Training, Building Leadership and Promoting Members Cooperation.
Mid Term Loan INR 2,000 - 14,000 11.5 100% 20% - 40% Business Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins, Other Training

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 24.6% 26.4% 27.8% Yes Yes Yes 100
Mid Term Loan 24.6% 26.4% 27.8% Yes Yes Yes 100
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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 24.6% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.4% 27.8% 88
Mid Term Loan 24.6% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.4% 27.8% 88
Institution Price Graph
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Key Statistics
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# 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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