| Number borrowers | 1,647 |
| Loan Amount (range) | PKR 5,000 - 30,000 |
| Loan Term (range) | 12 |
| Other Services (text summary) | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure visit |
| Annual Interest & Method | 22.0% annual, Flat |
| Fees | 2.50% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 22.6% - 37.2% |
| Fee Component | 3.5% - 5.1% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 42.0% - 42.1% |
| Transparency Index (min/max) | 0 - N/A |
| Transparency Index (average) | N/A |
| 57 |
| USD 300 - 10,000 |
| 4 - 24 |
| Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables |
| 26.0% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| N/A |
| 19.0% - 24.8% (Int+Fee) |
| 0 |
| 0 |
| 19.0% - 24.8% |
| 87 - 188 |
| 100 |
| Outstanding portfolio (PKR) | PKR 13,977,881 |
| Portfolio (USD) | USD 142,631.44 |
| Active Clients with Loans | 1,647 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| 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 | x |
| Credit insurance | |
| Workplace visits | x |
| Business training | x |
| Other training | x |
| Other | Exposure visit |
| 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 | x |
| Other | Must have relevant (enterpise/business) experience |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | 1 |
| Regions Active | Sindh |
| Outstanding portfolio (USD) | USD 125,784.24 |
| Portfolio (USD) | USD 125,784.24 |
| Active Clients with Loans | 57 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other | Metodologia propia deefinida como credito de 2do piso dirigido a sistemas autogestionados de credito e inversion. Diferente a la metodologia de Banca Comunal. |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | x |
| Business training | |
| Other training | |
| Other | Cepesiu brinda asistencia tecnica con recursos no reembolsables |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Estructuras financieras locales autogestionadas de credito |
| Other (2) | Minimo 4 meses de funcionamiento |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | PKR |
| Minimum loan size | PKR 5,000 |
| Maximum loan size | 30,000 |
| Loans less than PKR 10,000 | 5% |
| PKR 10,000-25,000 | 90% |
| PKR 25,000-50,000 | 5% |
| PKR 50,000-75,000 | 0 |
| PKR 75,000-150,000 | 0 |
| Greater than PKR 150,000 | 0 |
| Shortest loan term | 12.0 months |
| Longest loan term | 12.0 months |
| Approx average | 12.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 100% |
| 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 | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Currency | USD |
| Minimum loan size | USD 300 |
| Maximum loan size | 10,000 |
| Shortest loan term | 4.0 months |
| Longest loan term | 24.0 months |
| Approx average | 12.0 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 | 22.00% |
| 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 | 2.50% |
| % of loan amount - max | 2.50% |
| 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 |
| Lowest quoted nominal interest | 26.00% |
| Highest quoted nominal interest | 26.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | PKR 12,000 | PKR 10,000 | PKR 20,000 | PKR 30,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2013-05-08 | 2013-04-17 | 2013-04-03 | 2013-04-03 | |||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | PKR 2,940 | PKR 2,450 | PKR 4,900 | PKR 7,350 | |||
| True Price by Comp | |||||||
| Interest price component | 37.1% | 37.2% | 37.2% | 37.2% | |||
| Fee Component | 4.9% | 4.9% | 4.9% | 4.9% | |||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Full APR (int fee ins tax dep) | 42.0% | 42.1% | 42.1% | 42.1% | |||
| Transparency Index | N/A | N/A | N/A | N/A | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 500 | USD 2,500 | USD 5,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2010-09-10 | 2010-09-17 | 2010-07-05 | ||
| Loan Term (Months) | 6.0 months | 7.0 months | 20.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 24.8% | 19.0% | 20.3% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 24.8% | 19.0% | 20.3% | ||
| Transparency Index | 100 | 100 | 100 | ||
| 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: | ||||||
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| N (# of Samples) | ||||||
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| Min | ||||||
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| By Inst Type | ||||||
| By Country | ||||||
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|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
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| to ∞ | ||||||
