| Number borrowers | 1,343 |
| Loan Amount (range) | PKR 10,000 - 50,000 |
| Loan Term (range) | 6 |
| Other Services (text summary) | Group Mtgs |
| Annual Interest & Method | 22.0% annual, Flat |
| Fees | 3.00% upfront |
| Insurance | 1.00% upfront |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 36.4% - 37.8% |
| Fee Component | 6.1% - 10.8% |
| Insurance Component | 2.0% - 3.7% |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 50.9% |
| Transparency Index (min/max) | 43 - 48 |
| Transparency Index (average) | 43 |
| Outstanding portfolio (PKR) | PKR 42,192,721 |
| Portfolio (USD) | USD 414,332.52 |
| Active Clients with Loans | 1,343 |
| Approximate % Female Clients | 0 |
| Approximate % Urban Clients | 0 |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Sindh |
| Currency | PKR |
| Minimum loan size | PKR 10,000 |
| Maximum loan size | 50,000 |
| Loans less than PKR 10,000 | 0 |
| PKR 10,000-25,000 | 20% |
| PKR 25,000-50,000 | 80% |
| PKR 50,000-75,000 | 0 |
| PKR 75,000-150,000 | 0 |
| Greater than PKR 150,000 | 0 |
| Shortest loan term | 6.0 months |
| Longest loan term | 6.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 100% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | DK |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 22.00% |
| Highest quoted nominal interest | 22.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Documents/Registration Fee |
| % of loan amount - min | 3.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Ins 1 | |
|---|---|
| Description | Risk Management Fee |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
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 10,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 1,496.99 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 18,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 2,694.58 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 25,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 3,742.47 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 29,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 4,341.26 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 32,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 4,790.36 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 40,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 5,987.95 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 45,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 6,736.44 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| PKR 50,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 7,484.93 | 50.9% | 36.4% | 10.8% | 3.7% | 0.0% | 0.0% | 43 | - | |
| Key Statistics | |
|---|---|
| # Samples: | |
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| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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