| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://adjesum.multiply.com/ |
| Year established | 1997 |
| Head of Institution | Sr. Bernadette R. Dollete, CSJ |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | PhP 76,253,793 |
| Total Portfolio (USD) | USD 1,824,253.42 |
| Active clients with loans | 9,525 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | People's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment |
| Funders | Catholic Relief Services |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.cscpk.org |
| Year established | 1989 |
| Head of Institution | Shaista Jan |
| Regions active | Punjab |
| # Branches | 16 |
| Total Portfolio (nat'l) | PKR 282,802,018 |
| Total Portfolio (USD) | USD 2,885,734.88 |
| Active clients with loans | 18,591 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Acquisition - Land | PHP 40,000 - 70,000 | 36 | 80% - 100% | 20% - 40% | Housing | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
| Educational Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 0% - 20% | Education | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Grameen I or Regular Loan | PHP 3,000 - 60,000 | 6 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| House Repair Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 20% - 40% | Housing | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
| Micro-Agri Loan | PHP 5,000 - 70,000 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
| Multi Purpose Loan | PHP 5,000 - 15,000 | 6 - 12 | 80% - 100% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microloan | PKR 15,000 - 50,000 | 12 | 80% - 100% | 60% - 80% | Business | Women, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Acquisition - Land | 10.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 73.8% | 78.7% | 13 | ||||||||
| Educational Loan | 0.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 12.3% | 125% | 0 | ||||||||
| Grameen I or Regular Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | 1.00% loan amt | 5.0% upfront 8.00-20.00 ongoing | 73.8% - 81.8% | 87% - 224% | 31 | ||||||||
| House Repair Loan | 12.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 23.6% | 174.9% | 7 | ||||||||
| Micro-Agri Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.7% | 44.4% - 56.4% | 74 | ||||||||
| Multi Purpose Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 20.00 ongoing | 73.8% | 102.6% - 139.1% | 30 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Acquisition - Land | 10.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 73.8% | 78.7% | 13 | ||||||||
| Educational Loan | 0.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 12.3% | 125% | 0 | ||||||||
| Grameen I or Regular Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | 1.00% loan amt | 5.0% upfront 8.00-20.00 ongoing | 73.8% - 81.8% | 87% - 224% | 31 | ||||||||
| House Repair Loan | 12.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 23.6% | 174.9% | 7 | ||||||||
| Micro-Agri Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.9% - 43.7% | 44.4% - 56.4% | 74 | ||||||||
| Multi Purpose Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 20.00 ongoing | 73.8% | 102.6% - 139.1% | 30 |
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