| 30,054 |
| USD 400 - 20,000 |
| 10 - 36 |
| Credit Ins |
| 22.9%-26.9% annual, Decl Bal |
| 0.60% ongoing |
| None |
| None |
| N/A |
| N/A |
| 24.9% - 27.3% (Int+Fee) |
| 0 - 14.3% |
| 0 |
| 37.5% - 39.7% |
| 0 - N/A |
| 59 |
| Outstanding portfolio (PKR) | PKR 60,000 |
| Portfolio (USD) | USD 612.24 |
| Active Clients with Loans | 2 |
| Approximate % Female Clients | 0 |
| Approximate % Urban Clients | 0 |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| 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 | N/A |
| Regions Active |
| Outstanding portfolio (USD) | USD 21,578,604.36 |
| Portfolio (USD) | USD 21,578,604.36 |
| Active Clients with Loans | 30,054 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 400 |
| Maximum loan size | 20,000 |
| Shortest loan term | 10.0 months |
| Longest loan term | 36.0 months |
| Approx average | 11.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 22.93% |
| Highest quoted nominal interest | 26.92% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Servicio de proteccio familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente |
| % of loan amount - min | 0.60% |
| % of loan amount - max | 0.60% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | USD 350 | USD 7,000 | USD 950 | USD 7,992 | USD 1,900 | USD 3,900 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| Disbursement Date | 2010-10-19 | 2010-10-15 | 2010-10-30 | 2010-10-25 | 2010-10-25 | 2010-10-27 | |||||
| Loan Term (Months) | 5.0 months | 24.0 months | 12.0 months | 12.0 months | 18.0 months | 18.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 27.2% | 24.9% | 27.3% | 24.9% | 27.3% | 24.9% | |||||
| Insurance Component | 10.8% | 12.8% | 12.3% | 12.6% | 12.4% | 12.7% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Full APR (int fee ins tax dep) | 38.1% | 37.6% | 39.6% | 37.5% | 39.7% | 37.6% | |||||
| Transparency Index | 60 | 61 | 58 | 61 | 58 | 61 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
