- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	156
AJDFI	13,100	884,000	6	156
ARDCI	44,600	9,403,000	1	156
ASA Philippines	333,400	29,282,000	1	156
ASHI	35,400	5,231,000	6	156
ASKI	60,000	15,247,000	4	156
Bangko Kabayan	8,900	2,373,000	2	156
BSEI	600	73,000	2	156
CBI	8,100	2,010,000	5	156
CCT	70,300	9,504,000	4	156
CEV	35,400	5,111,000	4	156
DSPI	59,300	3,676,000	3	156
ECLOF	5,400	1,836,000	4	156
FCB	12,000	2,392,000	2	156
FMB	2,700	710,000	2	156
GM Bank	23,500	1,553,000	3	156
HSPFI	19,100	1,899,000	2	156
JVOFI	1,300	281,000	1	156
Katipunan Bank	42,100	5,325,000	2	156
KDCI	20,500	2,095,000	3	156
KGI	32,300	3,421,000	4	156
KMBI	245,000	15,098,000	1	156
LTMPC	37,400	8,935,000	3	156
Mallig Plains	6,500	641,000	2	156
MILAMDEC	29,800	3,278,000	2	156
MWIMPC	11,800	1,740,000	4	155
NWTF	105,500	12,698,000	5	156
OFMPC	4,400	964,000	1	156
PBC	50,700	10,434,000	4	156
PCSD	700	167,000	1	156
PMPC	23,500	5,565,000	8	156
RB Angeles	900	1,502,000	2	156
RB Labason	500	289,000	1	156
RBLI	5,200	1,026,000	2	156
RBMI	11,900	1,750,000	2	156
RMB	100	173,000	1	156
RSPI	39,600	2,834,000	4	156
SAFRAGEMC	1,100	229,000	1	156
Salve	10,900	1,191,000	3	156
SEDP	27,000	3,914,000	3	156
TSKI	212,900	25,187,000	2	156
TSPI	264,500	31,290,000	7	156
Valient	1,700	672,000	2	156

Please note that the information you are viewing is 111 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200

Data approved: 2015-04-30

Data version: 2

Age of data: 111 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 240,923,687
Portfolio (USD)	USD 2,365,870.61
Active Clients with Loans	19,720
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	100%

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

Enterprise loan are disbursed in semi urban areas of SRSO operation areas. Females use this loan for small enterprises developments. 90% female preparing handicrafts and traditional products at their home.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business
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 institution	1
# Regions for this product	1
Regions Active	Sindh

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 10,000
Maximum loan size	50,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	20%
PKR 10,000-25,000	70%
PKR 25,000-50,000	10%
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	450
Fixed amount - max	450
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	150
Fixed amount - max	150
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Enterprise 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
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 10,000	Generated	2015-06-01	12.0 months	N/A	PKR 2,605.48	26.6%	19.8%	5.1%	1.7%	0.0%	0.0%	75	-	PDF
PKR 12,000	Generated	2015-06-01	12.0 months	N/A	PKR 3,006.58	25.4%	19.8%	4.2%	1.4%	0.0%	0.0%	79	-	PDF
PKR 15,000	Generated	2015-06-01	12.0 months	N/A	PKR 3,608.22	24.3%	19.8%	3.4%	1.1%	0.0%	0.0%	82	-	PDF
PKR 20,000	Generated	2015-06-01	12.0 months	N/A	PKR 4,610.96	23.2%	19.8%	2.5%	0.9%	0.0%	0.0%	86	-	PDF
PKR 30,000	Generated	2015-06-01	12.0 months	N/A	PKR 6,616.44	22.0%	19.8%	1.7%	0.5%	0.0%	0.0%	91	-	PDF
PKR 42,000	Generated	2015-06-01	12.0 months	N/A	PKR 9,023.01	21.4%	19.8%	1.2%	0.4%	0.0%	0.0%	93	-	PDF
PKR 50,000	Generated	2015-06-01	12.0 months	N/A	PKR 10,627.40	21.2%	19.8%	1.0%	0.4%	0.0%	0.0%	95	-	PDF
PKR 35,000	Generated	2015-05-01	12.0 months	N/A	PKR 7,580.82	21.7%	19.8%	1.5%	0.4%	0.0%	0.0%	100	-	PDF

Enterprise 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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Enterprise samples

Enterprise Price Graphs

Total Borrowers of Samples

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