| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.vdopak.org |
| Year established | 1993 |
| Head of Institution | Muhammad Rafique Talpur |
| Regions active | Sindh |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 47,938,384 |
| Total Portfolio (USD) | USD 489,167.18 |
| Active clients with loans | 3,912 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MON-PAK, SMN, STOP TB Partnership, CERISE Certified |
| Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT |
| 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 |
| 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 | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 139 |
| Adok Timo | 4,200 | 570,000 | 4 | 171 |
| BIMAS | 11,100 | 4,679,000 | 7 | 139 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 139 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 139 |
| Family Bank | 43,200 | 90,700,000 | 5 | 171 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 139 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 139 |
| KADET | 12,900 | 5,402,000 | 4 | 139 |
| K-Rep | 0 | 0 | 0 | 139 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 171 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 139 |
| LKL | 13,100 | 9,311,000 | 10 | 132 |
| MKL | 18,200 | 5,989,000 | 6 | 116 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 139 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 139 |
| RAFODE | 2,900 | 356,000 | 1 | 139 |
| SISDO | 7,300 | 3,657,000 | 11 | 139 |
| Yehu | 14,000 | 3,149,000 | 11 | 139 |
| Key Statistics | |
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| % Products with compulsory deposits |
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