2. TSPI
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  2. TMFB
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 163 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: 118 months
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Product

Livestock Loan Product 3 of 7 « Prev | Next »

Product

Karobar Loan Product 2 of 7 « Prev | Next »

Product Summary

Number borrowers10,443
Loan Amount (range)PHP 10,000 - 10,000
Loan Term (range)4.1
Other Services (text summary)Group Mtgs
Annual Interest & Method36.0% annual, Flat
FeesNone
Insurance10.00% ongoing
TaxNone
Comp Dep5.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component36.2% (Int+Fee)
Insurance Component0 - 13.8%
Tax Component Range0
Full APR (int fee ins tax dep)37.9%
Transparency Index (min/max)32 - 95
Transparency Index (average)95

Product Summary

38,736
PKR 10,000 - 125,000
6 - 24
23.0% annual, Flat
0.00%-2.50%, 600.00 min upfront
None
16.00% fees
N/A
 
23.8% - 45.8%
2.1% - 7.8%
0
0.3% - 1.3%
43.9% - 47.4%
45 - 100
51

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 89,428,379.10
Portfolio (USD)USD 2,139,434.91
Active Clients with Loans10,443
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This product is offerd to existing TKP members to finance the purchase of livestock. The loan is designed to include a lump sum payment once the animal has been sold.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPurchase of livestock
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be a member of TSPI Kabuhayan Program
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 875,938,940
Portfolio (USD)USD 8,601,720.39
Active Clients with Loans38,736
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Karobar Loan is designed to cater to the financial needs of men and women either self employed or managing a micro level business, residing in Tameer target areas.
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 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 institution5
# Regions for this product4
Regions ActiveBalochistan, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term4.1 months
Longest loan term4.1 months
Approx average4.1 months
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
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size125,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00060%
PKR 50,000-75,00015%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
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
Ins 1
DescriptionLife Insurance
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest23.00%
Highest quoted nominal interest23.00%
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 - max2.50%
OR, Fixed amount - min600
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

Livestock Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 10,000PHP 10,000PHP 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-092011-03-142011-03-14
Loan Term (Months)4.0 months4.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component36.2%36.2%36.2%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component1.7%1.7%1.7%
Full APR (int fee ins tax dep)37.9%37.9%37.9%
Transparency Index959595
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Karobar Loan samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 15,000 Generated 2015-06-01 12.0 months N/A PKR 4,155.45 47.4% 38.3% 7.8% 0.0% 1.3% 0.0% 49 - PDF
PKR 26,000 Generated 2015-06-01 12.0 months N/A PKR 6,750.38 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 7,788.90 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 9,087.05 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 11,683.36 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 12,981.51 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 70,000 Generated 2015-06-01 12.0 months N/A PKR 18,174.11 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
PKR 100,000 Generated 2015-06-01 12.0 months N/A PKR 25,963.01 43.9% 38.3% 4.8% 0.0% 0.8% 0.0% 52 - PDF
Livestock Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeTSPIInstitutionPH-046-V01-P03ProductPHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 5,2003,9002,6001,300100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Karobar Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeTMFBInstitutionPK-026-V02-P02ProductPKCountry2015YearRange Number2Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 23,00017,00011,0005,800600Number of Borrowers
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
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