2. KGI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. TMFB
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

Kazama Grameen, Inc. Blk. 12, Lot 25, Sta. Monica SubdivisionSubic, Zambales2209
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 113 months
Choose version

Product

Project Loan 1 Product 2 of 4 « Prev | Next »

Product

Salary Loan Product 7 of 7 « Prev | Next »

Product Summary

Number borrowers14,000
Loan Amount (range)PHP 5,000 - 14,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method30.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp Dep50.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component62.5% - 64.1% (Int+Fee)
Insurance Component0 - 22.1%
Tax Component Range0
Full APR (int fee ins tax dep)67.0% - 71.2%
Transparency Index (min/max)26 - 46
Transparency Index (average)43

Product Summary

18,352
PKR 10,000 - 150,000
12 - 36
18.0% annual, Flat
0.00%-2.00%, 1,000.00 min upfront
None
16.00% fees
N/A
 
23.8% - 45.8%
2.1% - 7.8%
0
0.3% - 1.3%
33.4% - 39.2%
45 - 100
49

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 65,000,000
Portfolio (USD)USD 1,555,023.92
Active Clients with Loans14,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
Intended for business/project as additional capital or for start-up capital
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 629,599,517
Portfolio (USD)USD 6,182,667.26
Active Clients with Loans18,352
Approximate % Female Clients0% - 20%
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
It is an EMI based financing facility for the customers who get monthly incomes to meet their ends and have limited formal financing facilities available.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household financex
Other
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 business
Must own a home or land
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 institution5
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size14,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00080%
PKR 50,000-75,00010%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months80%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid5.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Access to deposits allowed on condition that 2% of the loan amount is maintained.

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing fee
% of loan amount - min0
% of loan amount - max2.00%
OR, Fixed amount - min1,000
Fixed amount - max0
Reason for variation%age of loan amount or fixed amount- whichever is higher
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 taxedSome

Full Pricing Data

Project Loan 1 samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 7,000PHP 8,000PHP 11,000PHP 14,000
Loan Cycle (1, 2, 3, etc)331112
Disbursement Date2011-07-212011-07-142011-07-072011-06-16
Loan Term (Months)5.4 months5.4 months5.4 months5.4 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component62.5%64.1%62.5%63.2%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component7.8%7.1%4.7%3.8%
Full APR (int fee ins tax dep)70.3%71.2%67.2%67.0%
Transparency Index43424545
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Salary 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 26,000 Generated 2015-06-01 12.0 months N/A PKR 5,852.82 39.2% 30.6% 7.4% 0.0% 1.2% 0.0% 46 - PDF
PKR 28,000 Generated 2015-06-01 12.0 months N/A PKR 6,223.09 38.7% 30.6% 6.9% 0.0% 1.2% 0.0% 47 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,597.99 38.2% 30.6% 6.5% 0.0% 1.1% 0.0% 47 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 7,477.20 37.0% 30.6% 5.5% 0.0% 0.9% 0.0% 49 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,379.73 36.1% 30.6% 4.8% 0.0% 0.7% 0.0% 50 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 9,322.79 35.7% 30.6% 4.4% 0.0% 0.7% 0.0% 50 - PDF
PKR 65,000 Generated 2015-06-01 18.0 months N/A PKR 19,106.08 33.4% 30.3% 2.6% 0.0% 0.5% 0.0% 54 - PDF
PKR 95,000 Generated 2015-06-01 18.0 months N/A PKR 27,924.27 33.4% 30.3% 2.6% 0.0% 0.5% 0.0% 54 - PDF
Project Loan 1 Price Graphs


Click to view Price Analysis Tool
Salary Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞