| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.opdpak.org |
| Year established | 1992 |
| Head of Institution | Syed Qurban Raza |
| Regions active | Punjab |
| # Branches | 4 |
| Total Portfolio (nat'l) | PKR 45,870,307 |
| Total Portfolio (USD) | USD 468,064.36 |
| Active clients with loans | 4,119 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Allevation Fund PPAF |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.fusionmicrofinance.com/ |
| Year established | 2010 |
| Head of Institution | Devesh Sachdev |
| Regions active | Madhya Pradesh |
| # Branches | 21 |
| Total Portfolio (nat'l) | INR 520,483,112 |
| Total Portfolio (USD) | USD 9,820,436.08 |
| Active clients with loans | 66,806 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital Loan | PKR 10,000 - 60,000 | 12 - 18 | 60% - 80% | 80% - 100% | Business, Agriculture | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL 12K-15k | INR 12,000 - 15,000 | 17 | 100% | 0% - 20% | Business, Agriculture | Women, Have home or land, Specific age group, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins | |||||||
| IGL 16K-30k | INR 16,000 - 30,000 | 24 | 100% | 0% - 20% | Business, Agriculture | Women, Have home or land, Specific age group, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.3% - 40.7% | 41.3% - 42.8% | N/A |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL 12K-15k | 28% - 28.4% | 29.5% - 30% | 31.5% - 32% | Yes | Yes | Yes | 100 | |||||||
| IGL 16K-30k | 28% - 28.5% | 29.1% - 29.6% | 30.6% - 31.1% | Yes | Yes | Yes | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL 12K-15k | 26.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 29.5% - 30% | 31.5% - 32% | 82 | ||||||||
| IGL 16K-30k | 26.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 29.1% - 29.6% | 30.6% - 31.1% | 84 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 39.3% - 40.7% | 41.3% - 42.8% | N/A |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL 12K-15k | 28% - 28.4% | 29.5% - 30% | 31.5% - 32% | Yes | Yes | Yes | 100 | |||||||
| IGL 16K-30k | 28% - 28.5% | 29.1% - 29.6% | 30.6% - 31.1% | Yes | Yes | Yes | 99 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL 12K-15k | 26.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 29.5% - 30% | 31.5% - 32% | 82 | ||||||||
| IGL 16K-30k | 26.0%-28.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 29.1% - 29.6% | 30.6% - 31.1% | 84 |
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