2. OSDI
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

Organization for Social Development Initiatives 9th Floor, Business Centre, Mumtaz Hassan Road, Karachi- 74000Karachi
Data approved: 2015-04-17
Data version: 1
Age of data: 113 months

Product

Agriculture Development Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 75,964,895.75
Portfolio (USD)USD 745,975.28
Active Clients with Loans1,716
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan provided for purchase of agricultural input; given in November and repaid in May of every year and given in May and repaid in November of every year
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherAny party in possession of land that can be used for agricultural purposes, sharecroppers and owners alike - usually male
Other (2)Clients include both males and females
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveKhyber Pakhtunkwa, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 8,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00015%
PKR 25,000-50,00040%
PKR 50,000-75,00030%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage90%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest0
Highest quoted nominal interest0
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionCommunity Development Fund
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
There is no interest charged for this loan.

Full Pricing Data

Agriculture Development Loan 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 76,253.63 Real 2015-01-15 6.0 months N/A PKR 7,625.36 19.2% 0.0% 19.2% 0.0% 0.0% 0.0% N/A PDF PDF
PKR 76,253 Generated 2015-05-01 5.9 months N/A PKR 7,625.30 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 77,638.63 Real 2015-01-15 6.0 months N/A PKR 7,763.86 19.2% 0.0% 19.2% 0.0% 0.0% 0.0% N/A PDF PDF
PKR 77,638 Generated 2015-05-01 5.9 months N/A PKR 7,763.80 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 20,000 Generated 2015-05-01 5.9 months N/A PKR 2,000 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 30,000 Generated 2015-05-01 5.9 months N/A PKR 3,000 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 40,000 Generated 2015-05-01 5.9 months N/A PKR 4,000 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 45,000 Generated 2015-05-01 5.9 months N/A PKR 4,500 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 50,000 Generated 2015-05-01 5.9 months N/A PKR 5,000 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
PKR 70,000 Generated 2015-05-01 5.9 months N/A PKR 7,000 19.3% 0.0% 19.3% 0.0% 0.0% 0.0% N/A - PDF
Agriculture Development Loan Price Graphs


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  2. Cooprogreso
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

Cooperativa de Ahorra y Credito Cooprogreso Av. Manuel Córdova Galarza 9380 y Bogotá PomasquiQuito, Pichincha593
Data approved: 2010-11-22
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established1963
Head of InstitutionIVAN TOBAR
Regions active
# Branches21

Total Portfolio (nat'l)USD 88,130,099
Total Portfolio (USD)USD 88,130,099
Active clients with loans22,154
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

CNMPE
500 Borrowers
USD 22,845,920 Portfolio
Active Product
MICM
5,400 Borrowers
USD 638,600 Portfolio
Active Product
MICON
2,020 Borrowers
USD 8,509,955 Portfolio
Active Product
MICPE
61 Borrowers
USD 250,461 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CNMPE USD 600 - 8,000 12 - 36 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Ins
MICM USD 200 - 20,000 8 - 10 80% - 100% 20% - 40% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
MICON USD 600 - 20,000 6 - 36 20% - 40% 60% - 80% Any Purpose Women, Men, Have business Credit Ins
MICPE USD 600 - 8,000 2 - 36 20% - 40% 40% - 60% Business Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CNMPE 15.2% annual, Decl Bal 1 Fee 0 Ins None 1.5% upfront 15.4% - 16.1% 16.4% - 16.5% 92
MICM 25.7% annual, Decl Bal 1 Fee 0 Ins None 3.0% upfront 26.1% - 29.6% 29.2% - 33.7% 84
MICON 22.8% annual, Decl Bal 1 Fee 0 Ins None 3.00% ongoing 21.4% - 24.4% 23.1% - 25.5% 92
MICPE 24.5% annual, Decl Bal 1 Fee 0 Ins None 3.0% upfront 22.7% - 24.8% 24.5% - 26.7% 93
Institution Price Graph
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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
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