Institution Type | RurBank |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1979 |
Head of Institution | Leticia G. Loquinario |
Regions active | |
# Branches | 10 |
Total Portfolio (nat'l) | PhP 824,435,000 |
Total Portfolio (USD) | USD 19,723,325.36 |
Active clients with loans | 57,276 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Rural Bankers Association of the Philippines (RBAP), Microenterprise Access to Banking Services (MABS), Zamboanga del Norte Federation of Rural Banks |
Funders |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://kmfbank.com |
Year established | 2008 |
Head of Institution | Muhammad Mudassar Aqil |
Regions active | Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 46 |
Total Portfolio (nat'l) | PKR 1,388,650,665 |
Total Portfolio (USD) | USD 14,169,904.74 |
Active clients with loans | 27,313 |
Approximate % female clients | 0% - 20% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Pakistan Microfinance Network |
Funders | FINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF) |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASENSO Loan | PHP 10,000 - 150,000 | 1 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group, 18-65 years old | Business Training, Other Training, Tie-up with other agencies (DTI, TESDA) for trainings | |||||||
Proyekto Maasenso | PHP 1,000 - 50,000 | 3 - 6 | 80% - 100% | 40% - 60% | Business | Women, Have business, Specific age group, 18-65 years old | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Livelihood, Leadership Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Kashf Kamyab Karobari Karza | PKR 35,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, If >100,000, condition of owned home or business premises | Credit Educ, Credit Ins | |||||||
Kashf Sunehri Karza | PKR 25,000 - 150,000 | 3 - 24 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Credit Ins | |||||||
Kashf Zarai Karza | PKR 35,000 - 150,000 | 3 - 9 | 0% - 20% | 0% - 20% | Agriculture | Women, Men | Credit Educ, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASENSO Loan | 30.0% annual, Flat | 2 Fees | 2 Ins | None | 100.00 upfront 10.00% ongoing | 66.1% - 74.4% | 79.2% - 103.5% | 34 | ||||||||
Proyekto Maasenso | 30.0% annual, Flat | 1 Fee | 2 Ins | None | 100.00 upfront 45.00 ongoing | 78.9% - 97.7% | 92.2% - 179.2% | 24 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Kashf Kamyab Karobari Karza | 25.0%-30.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 47.4% - 54.9% | 50.5% - 58.6% | N/A | ||||||||
Kashf Sunehri Karza | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 50.5% | 46.4% - 54.5% | N/A | ||||||||
Kashf Zarai Karza | 27.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 27.3% - 31% | 29.6% - 35.3% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASENSO Loan | 30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 100.00 upfront 10.00% ongoing | 66.1% - 74.4% | 79.2% - 103.5% | 34 | ||||||||
Proyekto Maasenso | 30.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 100.00 upfront 45.00 ongoing | 78.9% - 97.7% | 92.2% - 179.2% | 24 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Kashf Kamyab Karobari Karza | 25.0%-30.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 47.4% - 54.9% | 50.5% - 58.6% | N/A | ||||||||
Kashf Sunehri Karza | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 50.5% | 46.4% - 54.5% | N/A | ||||||||
Kashf Zarai Karza | 27.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 27.3% - 31% | 29.6% - 35.3% | N/A |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |