2. VDO
Please note that the information you are viewing is 133 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: 133 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.vdopak.org
Year established1993
Head of InstitutionMuhammad Rafique Talpur
Regions activeSindh
# Branches2

Total Portfolio (nat'l)PKR 47,938,384
Total Portfolio (USD)USD 489,167.18
Active clients with loans3,912
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsMON-PAK, SMN, STOP TB Partnership, CERISE Certified
FundersPakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT

Loan Products » Summary

Enterprise
1,647 Borrowers
USD 142,631.44 Portfolio
Active Product
Agriculture
1,180 Borrowers
USD 249,708.87 Portfolio
Active Product
Livestock
1,085 Borrowers
USD 96,826.89 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Enterprise Loan PKR 5,000 - 30,000 12 40% - 60% 0% - 20% Business Women, Men, Have business, Specific age group, Must have relevant (enterpise/business) experience Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure visit
Agriculture Loan PKR 5,000 - 30,000 6 - 9 20% - 40% 0% Business, Agriculture Women, Men, Specific age group, Must have relevant (agriculture/farming) experience Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit
Live Stock Loan PKR 5,000 - 30,000 12 40% - 60% 0% - 20% Business Women, Men, Specific age group, Must have relevant (livestock) experience Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Enterprise Loan 22.0% annual, Flat 1 Fee 0 Ins None N/A 42% - 42.1% 42% - 42.1% N/A
Agriculture Loan 24.0% annual, Flat 1 Fee 0 Ins None N/A 27.7% 27.7% N/A
Live Stock Loan 22.0% annual, Flat 1 Fee 0 Ins None N/A 30.2% - 30.3% 30.2% - 30.3% N/A
Institution Price Graph
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  2. COAC FondVida
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC FondVida Flavio Alfaro Oe6 - 150 y Francisco DavilaQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 172 months

Product

Crédito Individual para Micro Product 4 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,949,015
Portfolio (USD)USD 1,949,015
Active Clients with Loans1,209
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es un crédito exclusivamente para inciar un negocio o fortalecer la actividad económicxa que realice el socio, por primera vez desde USD 100 hasta USD 2000 y progresivamente hasta USD 5000
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household financex
OtherComo capiltal para iniciar un negocio
Other (2)Incremento de mercadería
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherCapacitación en formulación de planes de negocio
Other (2)Capacitación en proyectos de vida y espíritu emprendedor
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 group
OtherSi el deudor no es propietario de una casa, el garante sí requiere tener una casa.
Other (2)Pueden acceder personas desde los 15 años de edad en adelante
# 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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average11.0 months
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 interest14.00%
Highest quoted nominal interest18.50%
Reason(s) why interest rate variesLoan Purpose, Credito para inicio de negocios de los jovenes menores de edad.
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% 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
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.50%
Maximum interest rate paid4.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Para nosotros el pago del ahorro en cada letra es una opción que tiene el socio de ahorrar, entonces el socio puede decidir ahorrar o no. Así también, el socio apenas paga la dividendo ahorra los 5$ con la letra, pero a la vez puede disponer inmediatamente del mismo, entonces no es un ahorro que se queda bloqueado.

Full Pricing Data

Crédito Individual para Micro samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 450USD 1,000USD 2,000USD 4,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-08-232010-08-242010-07-272010-07-21
Loan Term (Months)4.0 months14.0 months10.0 months17.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component18.8%18.8%18.7%18.8%
Insurance Component5.3%1.7%2.2%1.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.3%0.2%0.1%0.0%
Full APR (int fee ins tax dep)24.3%20.6%21.0%20.2%
Transparency Index58686769
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Crédito Individual para Micro Price Graphs


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