| 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 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.credife.com/ |
| Year established | 1999 |
| Head of Institution | Paul Alejandro Arias |
| Regions active | |
| # Branches | 117 |
| Total Portfolio (nat'l) | USD 397,135,164 |
| Total Portfolio (USD) | USD 397,135,164 |
| Active clients with loans | 106,185 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Accion Internacional, Red Financiera Rural |
| Funders | Banco Pichincha C.A |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 300 - 10,000 | 2 - 24 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Credito Mejoramiento de Vivienda | USD 1,000 - 20,000 | 3 - 60 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have home or land, Al menos 6 meses de relacion de crédito con la institución | Credit Ins | |||||||
| Credito para Activo Fijo | USD 500 - 20,000 | 3 - 36 | 40% - 60% | 60% - 80% | Housing, Compra de terrenos destinados al negocio, Compra/arreglo locales comerciales | Women, Men, Have business, Al menos 24 meses de experiencia en su actividad | Credit Ins, Tech Asst Visits | |||||||
| Credito para Capital de Trabajo | USD 300 - 20,000 | 2 - 24 | 40% - 60% | 60% - 80% | Business, Housing | Women, Men, Have business, Llevar sus negocios en condiciones de informalidad pero con un local fijo, Nacional o extranjero residente al menos dos años | Credit Ins |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 24.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.9% - 26.8% | 23.5% - 27.5% | 98 | ||||||||
| Credito Mejoramiento de Vivienda | 10.9%-26.9% annual, Decl Bal | 0 Fees | 2 Ins | None | N/A | 10.8% - 27.3% | 11.4% - 27.9% | 67 | ||||||||
| Credito para Activo Fijo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 | ||||||||
| Credito para Capital de Trabajo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 24.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.9% - 26.8% | 23.5% - 27.5% | 98 | ||||||||
| Credito Mejoramiento de Vivienda | 10.9%-26.9% annual, Decl Bal | 0 Fees | 2 Ins Ins | None | N/A | 10.8% - 27.3% | 11.4% - 27.9% | 67 | ||||||||
| Credito para Activo Fijo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 | ||||||||
| Credito para Capital de Trabajo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 |
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