2. SRDO
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
  2. Vision Finance
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Shadab Rural Development Organization Near Shell Petrol Station, Tando Adam RoadShahdadpur, Sindh68030
Data approved: 2015-04-25
Data version: 2
Age of data: 113 months
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Institution

Vision Finance Company S.A NyarugengeKigaliPO Box 6893
Data approved: 2011-09-16
Data version: 1
Age of data: 160 months

Product

Agriculture Product 1 of 4 « Prev | Next »

Product

Urunana (Community Bank) Loan Product 6 of 6 « Prev | Next »

Product Summary

Number borrowers1,343
Loan Amount (range)PKR 10,000 - 50,000
Loan Term (range)6
Other Services (text summary)Group Mtgs
Annual Interest & Method22.0% annual, Flat
Fees3.00% upfront
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component36.4% - 37.8%
Fee Component6.1% - 10.8%
Insurance Component2.0% - 3.7%
Tax Component Range0
Full APR (int fee ins tax dep)50.9%
Transparency Index (min/max)43 - 48
Transparency Index (average)43

Product Summary

2,565
RWF 30,000 - 495,000
3 - 8
Group Mtgs, Credit Ins, Business Training
30.00% annual, Flat
3.00% upfront
1.50% upfront
None
20.00% upfront
 
N/A
28.7% - 37.2% (Int+Fee)
1.8% - 5.9%
0
42.0% - 51.8%
30 - 73
61

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 42,192,721
Portfolio (USD)USD 414,332.52
Active Clients with Loans1,343
Approximate % Female Clients0
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product provide financing for purchase of input supply for agriculture purpose.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
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 ActiveSindh

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 86,706,623
Portfolio (USD)USD 135,479.10
Active Clients with Loans2,565
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
This product exists in a relatively poorer rural communities; Where a peer pressure mechanism is used to ensure the loans are paid back. These loans increase in size over time. This loan is used for commerce purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
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 institution16
# Regions for this product20
Regions ActiveBugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, HuyeKayonza, Kicukiro, Kirehe, Musanze, Ngoma, Ngororero, Nyabihu, Nyamagabe, Nyarugenge, Nyaruguru, Rubavu, Rulindo, Rwamagana

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 30,000
Maximum loan size495,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,000100%
RWF 500,000-1,500,0000
RWF 1,500,000-2,500,0000
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less30%
Between 4 and 6 months20%
Between 7 and 9 months50%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocuments/Registration 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?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionRisk Management 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

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommision 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
DescriptionInsurance Fee
% of loan amount - min1.50%
% of loan amount - max1.50%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture 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 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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF

Full Pricing Data

Urunana (Community Bank) Loan samples
Sample 1Sample 2Sample 3
Loan AmountRWF 100,000RWF 250,000RWF 400,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-272010-12-172010-12-17
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component28.7%37.2%37.2%
Insurance Component2.7%3.7%3.7%
Tax Component0.0%0.0%0.0%
Deposit Component10.6%10.8%10.8%
Full APR (int fee ins tax dep)42.0%51.8%51.8%
Transparency Index715858
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agriculture Price Graphs


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Urunana (Community Bank) Loan Price Graphs


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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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