| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.osdi.org |
| Year established | 2009 |
| Head of Institution | Aasim Siddiqui |
| Regions active | Khyber Pakhtunkwa, Sindh |
| # Branches | 1 |
| Total Portfolio (nat'l) | PKR 94,039,491.75 |
| Total Portfolio (USD) | USD 923,467.81 |
| Active clients with loans | 346 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 0 |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Development Loan | PKR 8,000 - 100,000 | 6 | 0% - 20% | 0 | Agriculture | Men, Any party in possession of land that can be used for agricultural purposes, sharecroppers and owners alike - usually male, Clients include both males and females | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Development Loan | 0.0% annual, Flat | 1 Fee | 0 | None | N/A | 19.2% - 19.3% | 19.2% - 19.3% | N/A |
| Outstanding portfolio (USD) | USD 132,380.51 |
| Portfolio (USD) | USD 132,380.51 |
| Active Clients with Loans | 397 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Capital de Trabajo |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 400 |
| Maximum loan size | 4,000 |
| Shortest loan term | 6.0 months |
| Longest loan term | 24.0 months |
| Approx average | 12.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 18.00% |
| Highest quoted nominal interest | 18.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Seguro de Desgravamen |
| % of loan amount - min | 3.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 1.00% |
| or, Fixed-amount deposited | USD 2 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 3.00% |
| Maximum interest rate paid | 3.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | USD 400 | USD 1,000 | USD 2,000 | USD 4,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-05-21 | 2010-05-20 | 2010-06-07 | 2010-05-14 | |||
| Loan Term (Months) | 12.0 months | 12.0 months | 24.0 months | 24.0 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 18.2% | 18.3% | 18.3% | 18.2% | |||
| Insurance Component | 0.0% | 0.4% | 0.4% | 0.4% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 0.9% | 0.4% | 0.4% | 0.3% | |||
| Full APR (int fee ins tax dep) | 19.1% | 19.1% | 19.1% | 18.9% | |||
| Transparency Index | 94 | 94 | 94 | 95 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
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| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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