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
  2. INSOTEC
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

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

Institution

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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

Product

SINCO Product 4 of 4 « Prev | Next »

Product Summary

Number borrowers1,716
Loan Amount (range)PKR 8,000 - 100,000
Loan Term (range)6
Other Services (text summary)Group Mtgs, Tech Asst Visits, Other Training
Annual Interest & Method0.0% annual, Flat
Fees10.00% ongoing, of Prin Pmt
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component0
Fee Component19.2% - 19.3%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)19.2% - 19.3%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

172
USD 300 - 1,000
3 - 8
Credit Ins
24.5%-26.9% annual, Decl Bal
1.90% ongoing
None
None
N/A
 
N/A
27.2% - 27.3% (Int+Fee)
2.7% - 3.2%
0
30.3% - 30.4%
73 - 87
80

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

Product Details

Key Statistics
Outstanding portfolio (USD)USD 73,328.71
Portfolio (USD)USD 73,328.71
Active Clients with Loans172
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El objetivo del producto es facilitar el financiamiento microemresarial de capital de trabajo, presenta un esquema de funcionamiento que reduce el costo transaccional del cliente.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherUsar solo para capital de trabajo
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 landx
Must be a salaried worker
Must be specific age group
OtherPropietario de Terreno
Other (2)
# 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
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 300
Maximum loan size1,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term8.0 months
Approx average7.2 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 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.

Pricing Information

Interest
Lowest quoted nominal interest24.45%
Highest quoted nominal interest26.92%
Reason(s) why interest rate variesDepende del sector donde estan ubicados los clientes que se determinan por nivel de pobreza de acuerdo a como lo establece el Sistema Nacional de Microfinanzas.\rTipo A los más pobres\rTipo B intermedios\rTipo C menos pobres
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 Vida, Seguro de Desgravamen
% of loan amount - min1.90%
% of loan amount - max1.90%
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

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

Full Pricing Data

SINCO samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 450USD 450USD 900USD 1,000
Loan Cycle (1, 2, 3, etc)2223
Disbursement Date2010-07-022010-06-212010-06-172010-06-02
Loan Term (Months)6.0 months6.0 months6.0 months8.0 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 Component27.3%27.3%27.2%27.3%
Insurance Component3.1%3.1%3.1%3.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.4%30.4%30.3%30.4%
Transparency Index81818180
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Agriculture Development Loan Price Graphs


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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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