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Institution
Data approved: 2015-04-17
Data version: 1
Age of data: 113 months
Key Statistics
| Outstanding portfolio (PKR) | PKR 75,964,895.75 |
| Portfolio (USD) | USD 745,975.28 |
| Active Clients with Loans | 1,716 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0 |
Methodology
| Individual | x |
| 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 | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) | |
Included Services
| Credit education | |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | x |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services | |
Eligibility
| Men | x |
| Women | |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Any 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 |
Portfolio Size by Product
Geographic Coverage
| # Regions for this institution | 2 |
| # Regions for this product | 2 |
| Regions Active | Khyber Pakhtunkwa, Sindh |
Loan Conditions
Loan Amount
| Currency | PKR |
| Minimum loan size | PKR 8,000 |
| Maximum loan size | 100,000 |
Distribution at Disbursement (Est.)
| Loans less than PKR 10,000 | 5% |
| PKR 10,000-25,000 | 15% |
| PKR 25,000-50,000 | 40% |
| PKR 50,000-75,000 | 30% |
| PKR 75,000-150,000 | 10% |
| Greater than PKR 150,000 | 10% |
Loan Term and Grace Period
| Shortest loan term | 6.0 months |
| Longest loan term | 6.0 months |
| Approx average | 6.0 months |
Distribution at Disbursement (Est.)
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 100% |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 0 |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
Grace Period
| Grace period usage | 90% |
| Average grace period | 6.0 months |
Repayment Frequency
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments | |
Pricing Information
Interest
| Lowest quoted nominal interest | 0 |
| Highest quoted nominal interest | 0 |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
| Fee 1 |
|---|
| Description | Community Development Fund |
| % of loan amount - min | 10.00% |
| % of loan amount - max | 10.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
| Required for | Never |
| Criteria | N/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 deposited | N/A |
| or, Fixed-amount deposited | N/A |
Deposits DURING period payments
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
Interest Paid on Deposit
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/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
