Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Villagers Development Organization House # 206-A/A, ABL Street, Chaki ParaShahdadpur, Sindh68030
Data approved: 2013-06-14
Data version: 1
Age of data: 132 months

Institution

Arth Microfinance Pvt Ltd A-11,Mahaveer udyan pathBajaj NagarJaipur, Rajasthan302015
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Product

Live Stock Loan Product 3 of 3 « Prev | Next »

Product

Shahyog Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers1,085
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 & Method22.0% annual, Flat
Fees2.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component22.6% - 37.2%
Fee Component3.5% - 5.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)30.2% - 30.3%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

2,758
INR 10,000 - 16,000
12
Credit Educ, Group Mtgs, Credit Ins, Business Training
15.0% annual, Flat
2.00% upfront
2.00% upfront
None
N/A
 
N/A
31.7% (Int+Fee)
3.2% - 4.2%
0
35.9%
0 - N/A
42

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 9,489,035
Portfolio (USD)USD 96,826.89
Active Clients with Loans1,085
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
livestock product is better for rural community particularly female. Generally livelihood of rural communities depends on Agriculture and livestock. So live stock loan play vital role to alleviate poverty of rural communities.
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 insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherExposure Visit
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
OtherMust have relevant (livestock) experience
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 (INR)INR 27,025,420
Portfolio (USD)USD 509,913.58
Active Clients with Loans2,758
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Sahyog product use for 1st and second cycle loan. These loans give for income generating sources.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
Monthlyx
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 10,000
Maximum loan size16,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.4 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
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
DescriptionDocument/Registration Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
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
This product has no upfront insurance fees
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
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 - min2.00%
% of loan amount - max2.00%
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

Full Pricing Data

Live Stock Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 12,000PKR 10,000PKR 20,000PKR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-072013-05-222013-05-222013-06-11
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.1 months0.1 months0.1 months
Total Cost of CreditPKR 2,940PKR 2,450PKR 4,900PKR 7,350
True Price by Comp       
Interest price component26.7%26.7%26.7%26.8%
Fee Component3.5%3.5%3.5%3.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.2%30.2%30.2%30.3%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Shahyog samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 10,000INR 16,000
Loan Cycle (1, 2, 3, etc)112
Disbursement Date2010-05-182010-05-182010-06-29
Loan Term (Months)11.9 months11.9 months11.9 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component31.7%31.7%31.7%
Insurance Component4.2%4.2%4.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.9%35.9%35.9%
MFIN MFI Earning (Annualised)31.7%31.7%31.7%
MFIN Cost to Borrower (Annualised)35.9%35.9%35.9%
Transparency Index424242
MFIN Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Live Stock Loan Price Graphs


Shahyog Price Graphs


Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to