2. WMBL
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COAC 4 Octubre
Please note that the information you are viewing is 172 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: 115 months

Institution

Cooperativa de Ahorro y Credito 4 de Octubre Ltda Avda. Atahualpa s/n via a BañosAvda. Cordovez y Juan LarreaRiobamba, Chimborazo06-01-1471
Data approved: 2011-11-01
Data version: 1
Age of data: 172 months

Product

Waseela Khushhal Kisan Loan Product 2 of 3 « Prev | Next »

Product

Microcredito Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers8,912
Loan Amount (range)PKR 20,000 - 60,000
Loan Term (range)3 - 12
Other Services (text summary)
Annual Interest & Method29.0% annual, Flat
Fees700.00 upfront
InsuranceNone
Tax16.00% fees
Comp DepN/A
Range of pricing 
Interest Price Component25.4% - 27.1%
Fee Component1.0% - 8.3%
Insurance Component0
Tax Component Range0.2% - 1.3%
Full APR (int fee ins tax dep)27.1% - 33.6%
Transparency Index (min/max)74 - 100
Transparency Index (average)98

Product Summary

2,001
USD 100 - 20,000
1 - 48
Credit Ins
18.0% annual, Decl Bal
None
2.00% ongoing
None
5.00 ongoing
 
0
N/A

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 308,090,243
Portfolio (USD)USD 3,025,446.19
Active Clients with Loans8,912
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a financial facility offered to individuals engaged in Agricuture / livestock raising activities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherLivetsock
Other (2)
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

Product Details

Key Statistics
Outstanding portfolio (USD)USD 5,683,091
Portfolio (USD)USD 5,683,091
Active Clients with Loans2,001
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Destinado al financiamiento de actividades en pequeña escala, de producción, comercialización o servicios. Grupo meta a personas naturales.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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 workerx
Must be specific age group
Other
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 20,000
Maximum loan size60,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,000100%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
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 months30%
Between 10 and 12 months60%
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size20,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50030%
USD 1,500-5,00050%
USD 5,000-10,00015%
USD 10,000-15,0005%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months5%
Between 10 and 12 months15%
Between 13 and 18 months20%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest29.00%
Highest quoted nominal interest29.00%
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 - min700
Fixed amount - max700
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

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid8.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Waseela Khushhal Kisan 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 Real 2015-05-04 11.0 months N/A PKR 7,480.87 29.3% 25.7% 3.1% 0.0% 0.5% 0.0% 99 PDF PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 7,962.68 28.9% 25.5% 2.9% 0.0% 0.5% 0.0% 100 - PDF
PKR 50,000 Real 2015-05-07 12.0 months N/A PKR 15,337.94 27.1% 25.4% 1.5% 0.0% 0.2% 0.0% 100 PDF PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 15,113.37 27.2% 25.5% 1.4% 0.0% 0.3% 0.0% 100 - PDF
PKR 26,000 Generated 2015-06-01 5.9 months N/A PKR 4,530.36 33.6% 27.1% 5.6% 0.0% 0.9% 0.0% 86 - PDF
PKR 27,000 Generated 2015-06-01 11.8 months N/A PKR 8,534.74 28.6% 25.5% 2.7% 0.0% 0.4% 0.0% 100 - PDF
PKR 28,000 Generated 2015-06-01 11.8 months N/A PKR 8,820.77 28.5% 25.5% 2.6% 0.0% 0.4% 0.0% 100 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 9,392.82 28.3% 25.5% 2.4% 0.0% 0.4% 0.0% 100 - PDF
PKR 40,000 Generated 2015-06-01 8.9 months N/A PKR 9,392.82 29.1% 26.3% 2.4% 0.0% 0.4% 0.0% 100 - PDF
PKR 60,000 Generated 2015-06-01 8.9 months N/A PKR 13,683.23 28.1% 26.3% 1.6% 0.0% 0.2% 0.0% 100 - PDF

Full Pricing Data

Microcredito samples
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Waseela Khushhal Kisan 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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