2. APMBL
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Advans Pakistan Microfinance Bank Ltd. Bahria I complex, Lalazar Area, M.T. Khan RoadKarachi, Sindh
Data approved: 2015-04-16
Data version: 2
Age of data: 113 months
Choose version

Product

Karobar Sanwaro Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 60,500,690.02
Portfolio (USD)USD 594,116.78
Active Clients with Loans1,413
Approximate % Female Clients0% - 20%
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Advans "Karobar Sanwaro" is a loan from PKR 10 k to PKR 150 k for a duration of 3 to 18 months (generally not more than 12). It can fund working capital as well as small investment, with monthly repayments.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
OtherAge bracket is 18 to 60
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0005%
PKR 25,000-50,00030%
PKR 50,000-75,00015%
PKR 75,000-150,00050%
Greater than PKR 150,00050%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.3 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months5%
Longer than 18 months0
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 interest41.00%
Highest quoted nominal interest41.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max1.50%
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
DescriptionCredit Cover Charges
% of loan amount - min1.00%
% of loan amount - max1.25%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCredit Cover is charged 1% on loan of 1st cycle (up to 12 months) while on the loan of 2nd cycle 1.25% is charged which is above 12 months upto 18 months.
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

Karobar Sanwaro samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 100,000 Real 2015-05-01 12.0 months N/A PKR 25,992.99 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 PDF PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 5,198.60 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 - PDF
PKR 50,000 Real 2015-05-01 10.0 months N/A PKR 11,091.60 46.2% 40.3% 3.5% 2.4% 0.0% 0.0% 89 PDF PDF
PKR 30,000 Generated 2015-05-01 10.0 months N/A PKR 6,654.96 46.2% 40.3% 3.5% 2.4% 0.0% 0.0% 89 - PDF
PKR 40,000 Generated 2015-05-01 12.0 months N/A PKR 10,397.20 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 - PDF
PKR 45,000 Generated 2015-05-01 12.0 months N/A PKR 11,696.85 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 - PDF
PKR 60,000 Generated 2015-05-01 12.0 months N/A PKR 15,595.79 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 - PDF
PKR 75,000 Generated 2015-05-01 12.0 months N/A PKR 19,494.74 45.4% 40.3% 3.0% 2.1% 0.0% 0.0% 90 - PDF
PKR 100,000 Generated 2015-05-01 9.0 months N/A PKR 20,293.26 46.8% 40.3% 3.9% 2.6% 0.0% 0.0% 88 - PDF
PKR 125,000 Generated 2015-05-01 18.0 months N/A PKR 47,708.71 44.3% 40.3% 2.2% 1.8% 0.0% 0.0% 93 - PDF
Karobar Sanwaro Price Graphs


Click to view Price Analysis Tool
  2. Sambhav
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sambhav Social Service Organization Lincoln House, 19 New Vivekanand ColonyBalwant Nagar Ext. Gandhi RaodGwalior, M.P474002
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.sambhavindia.org/
Year established1988
Head of InstitutionDr. S.K.Singh
Regions activeMadhya Pradesh, Uttar Pradesh
# Branches9

Total Portfolio (nat'l)INR 9,737,000
Total Portfolio (USD)USD 183,716.98
Active clients with loans1,571
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Loan Products » Summary

House
53 Borrowers
USD 11,320.75 Portfolio
Active Product
Live stock
298 Borrowers
USD 55,415.09 Portfolio
Active Product
Sanitation
1,220 Borrowers
USD 116,981.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
House Repair INR 5,000 - 20,000 12 - 24 80% - 100% 60% - 80% Housing Women, Have home or land Credit Educ, Group Mtgs, Credit Ins
Live Stock INR 5,000 - 20,000 12 80% - 100% 0% - 20% Livestock Purchase Women, She should have experince of keeping Buffalow , cow and goat. Credit Educ, Group Mtgs, Credit Ins
Sanitation Loan INR 3,000 - 10,000 12 - 24 80% - 100% 80% - 100% For constructing a toilet and bathing space. Women, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
House Repair 0% 33.9% 41.9% N/A
Live Stock 0% 18.7% - 34.8% 22.5% - 43.6% N/A
Sanitation Loan 0% 35.5% - 42.5% 39.6% - 54.5% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
House Repair 18.0% annual, Flat 1 Fee 2 Ins None 10.0% upfront 33.9% 41.9% 43
Live Stock 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 18.7% - 34.8% 22.5% - 43.6% 54
Sanitation Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 35.5% - 42.5% 39.6% - 54.5% 39
Institution Price Graph
Click to view Price Analysis Tool
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 ∞