2. WMBL
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

Institution

Waseela Microfinance Bank 3-A/2, Kaghan Road, F-8 Markaz, IslamabadIslamabad, Capital Territory44000
Data approved: 2015-06-04
Data version: 1
Age of data: 113 months

Product

Waseela Fori Cash Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 309,986,036
Portfolio (USD)USD 3,044,062.87
Active Clients with Loans4,713
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a financial facility offered to individuals engaged in Agricuture / livestock / trading / manufacturing activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherLivestock
Other (2)Trading & Manufacturing
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveIslambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 25,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00020%
PKR 50,000-75,00050%
PKR 75,000-150,00030%
Greater than PKR 150,00030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months50%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan Processing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,000
Fixed amount - max1,000
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
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?Yes
Percentage of fees16%
All or some fees taxedAll

Full Pricing Data

Waseela Fori Cash 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 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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
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 - PDF
Waseela Fori Cash Loan Price Graphs


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  2. Goshen
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Goshen Finance S.A NyarugengeKigaliPO Box 4787
Data approved: 2011-09-16
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionMunyankumburwa Samuel
Regions activeBugesera, Burera, Gasabo, Gatsibo, Gicumbi, KamonyiKayonza, Kicukiro, Muhanga, Musanze, Nyagatare, Nyanza, Nyarugenge
# Branches4

Total Portfolio (nat'l)RWF 2,378,245,166
Total Portfolio (USD)USD 3,716,008.07
Active clients with loans2,076
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBanqu Nationale Du Rwanda, Banque Rwandaise De Development

Loan Products » Summary

Agri-Elevage
444 Borrowers
USD 658,224.40 Portfolio
Active Product
Autres
1,127 Borrowers
USD 1,022,369.35 Portfolio
Active Product
Commerce
331 Borrowers
USD 1,215,800.97 Portfolio
Active Product
Construction
119 Borrowers
USD 623,003.02 Portfolio
Active Product
Transport
55 Borrowers
USD 196,610.34 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-Elevage Loan RWF 1,000,000 - 15,000,000 6 - 36 0% - 20% 0% - 20% Business Women, Men Credit Ins, Tech Asst Visits, Business Training
Autres Credits RWF 100,000 - 10,000,000 1 - 24 0% - 20% 40% - 60% Consumer, Education, Other Women, Men Business Training, Other Training
Commerce Loan RWF 500,000 - 30,000,000 6 - 36 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ, Credit Ins, Business Training
Construction Loan RWF 500,000 - 30,000,000 12 - 60 20% - 40% 60% - 80% Business, Housing, Consumer Women, Men, Have business Credit Educ, Credit Ins, Business Training
Equipement pour le Transport Loan RWF 1,000,000 - 10,000,000 12 - 36 0% - 20% 60% - 80% Business, Consumer Women, Men, Have business Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-Elevage Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 14.1% - 56% 14.7% - 57.3% 58
Autres Credits 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.4% - 72% 16.1% - 72% 45
Commerce Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.1% - 20% 18.7% - 49.9% 61
Construction Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 16.9% - 18.1% 16.9% - 19% 88
Equipement pour le Transport Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 17.5% - 18.8% 18.6% - 19.4% 83
Institution Price Graph
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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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