Outstanding portfolio (PKR) | PKR 309,986,036 |
Portfolio (USD) | USD 3,044,062.87 |
Active Clients with Loans | 4,713 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | Livestock |
Other (2) | Trading & Manufacturing |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | 4 |
# Regions for this product | 4 |
Regions Active | Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 25,000 |
Maximum loan size | 150,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 20% |
PKR 50,000-75,000 | 50% |
PKR 75,000-150,000 | 30% |
Greater than PKR 150,000 | 30% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | DK |
Loans 3 months or less | 0 |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 50% |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
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 |
Lowest quoted nominal interest | 27.00% |
Highest quoted nominal interest | 30.00% |
Reason(s) why interest rate varies | Time as Client |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Loan Processing Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 1,000 |
Fixed amount - max | 1,000 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 16% |
All or some fees taxed | All |
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 25,000 | Generated | 2015-07-01 | 5.9 months | N/A | PKR 4,719.32 | 36.6% | 27.0% | 8.3% | 0.0% | 1.3% | 0.0% | 74 | - | |
PKR 50,000 | Generated | 2015-07-01 | 8.9 months | N/A | PKR 12,211.51 | 30.2% | 27.0% | 2.7% | 0.0% | 0.5% | 0.0% | 89 | - | |
PKR 55,000 | Generated | 2015-07-01 | 8.9 months | N/A | PKR 13,316.66 | 29.9% | 27.0% | 2.5% | 0.0% | 0.4% | 0.0% | 90 | - | |
PKR 60,000 | Generated | 2015-07-01 | 8.9 months | N/A | PKR 14,421.81 | 29.6% | 27.0% | 2.3% | 0.0% | 0.3% | 0.0% | 91 | - | |
PKR 65,000 | Generated | 2015-07-01 | 8.9 months | N/A | PKR 15,526.96 | 29.4% | 27.0% | 2.1% | 0.0% | 0.3% | 0.0% | 92 | - | |
PKR 70,000 | Generated | 2015-07-01 | 11.8 months | N/A | PKR 22,507.51 | 28.7% | 27.0% | 1.5% | 0.0% | 0.2% | 0.0% | 94 | - | |
PKR 80,000 | Generated | 2015-07-01 | 11.8 months | N/A | PKR 25,557.15 | 28.5% | 27.0% | 1.3% | 0.0% | 0.2% | 0.0% | 95 | - | |
PKR 100,000 | Generated | 2015-07-01 | 11.8 months | N/A | PKR 31,656.44 | 28.2% | 27.0% | 1.0% | 0.0% | 0.2% | 0.0% | 96 | - |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
ACB-SA | 4,335 | 1,476,288 | 6 | 141 |
Comicoka | 827 | 758,435 | 4 | 141 |
COOJAD | 511 | 823,215 | 6 | 141 |
COOPEDU | 2,029 | 7,549,835 | 9 | 141 |
Duterimbere | 6,607 | 4,365,044 | 3 | 141 |
Goshen | 2,076 | 3,716,008 | 5 | 158 |
Inkingi | 2,648 | 2,593,366 | 5 | 158 |
RML | 4,960 | 3,473,781 | 3 | 141 |
UCU | 3,391 | 1,603,524 | 4 | 141 |
Urwego | 37,900 | 14,755,000 | 6 | |
Vision Finance | 14,226 | 3,474,646 | 6 | 158 |
Wisigara | 2,177 | 904,708 | 3 | 141 |
Zamuka | 253 | 124,445 | 3 | 141 |
Zigama CSS | 53,806 | 59,670,753 | 2 | 158 |
Key Statistics | |
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# Products | |
# Institutions | |
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# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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