- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	157
AJDFI	13,100	884,000	6	157
ARDCI	44,600	9,403,000	1	157
ASA Philippines	333,400	29,282,000	1	157
ASHI	35,400	5,231,000	6	157
ASKI	60,000	15,247,000	4	157
Bangko Kabayan	8,900	2,373,000	2	157
BSEI	600	73,000	2	157
CBI	8,100	2,010,000	5	157
CCT	70,300	9,504,000	4	157
CEV	35,400	5,111,000	4	157
DSPI	59,300	3,676,000	3	157
ECLOF	5,400	1,836,000	4	157
FCB	12,000	2,392,000	2	157
FMB	2,700	710,000	2	157
GM Bank	23,500	1,553,000	3	157
HSPFI	19,100	1,899,000	2	157
JVOFI	1,300	281,000	1	157
Katipunan Bank	42,100	5,325,000	2	157
KDCI	20,500	2,095,000	3	157
KGI	32,300	3,421,000	4	157
KMBI	245,000	15,098,000	1	157
LTMPC	37,400	8,935,000	3	157
Mallig Plains	6,500	641,000	2	157
MILAMDEC	29,800	3,278,000	2	157
MWIMPC	11,800	1,740,000	4	156
NWTF	105,500	12,698,000	5	157
OFMPC	4,400	964,000	1	157
PBC	50,700	10,434,000	4	157
PCSD	700	167,000	1	157
PMPC	23,500	5,565,000	8	157
RB Angeles	900	1,502,000	2	157
RB Labason	500	289,000	1	157
RBLI	5,200	1,026,000	2	157
RBMI	11,900	1,750,000	2	157
RMB	100	173,000	1	157
RSPI	39,600	2,834,000	4	157
SAFRAGEMC	1,100	229,000	1	157
Salve	10,900	1,191,000	3	157
SEDP	27,000	3,914,000	3	157
TSKI	212,900	25,187,000	2	157
TSPI	264,500	31,290,000	7	157
Valient	1,700	672,000	2	157

Please note that the information you are viewing is 112 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

MOJAZ Foundation Opposite DCO House, District NarowalNarowal, Punjab

Data approved: 2015-05-04

Data version: 2

Age of data: 112 months

Download Data

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Product

Seasonal Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 72,000,000
Portfolio (USD)	USD 707,040
Active Clients with Loans	2,206
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

Seasonla loan is disbursed to small farmers in rural areas only for a minimum period of 3 months and maximum for 9 months. It is lumpsum loan repayment loan for agriculture inputs, tools and purchase of livestock for festivals like Eid-ul-Azha.

Loan Purpose

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

Included Services

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

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Must be involved in agriculture activity
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	1
# Regions for this product	1
Regions Active	Punjab

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 10,000
Maximum loan size	75,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	60%
PKR 25,000-50,000	30%
PKR 50,000-75,000	10%
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	6.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

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

Grace Period

Grace period usage	0
Average grace period	DK

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	24.00%
Highest quoted nominal interest	24.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Risk Coverage Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

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

Seasonal 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
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	5.9 months	N/A	PKR 1,656.05	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 15,000	Generated	2015-06-01	5.9 months	N/A	PKR 2,484.08	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 20,000	Generated	2015-06-01	5.9 months	N/A	PKR 3,312.11	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 25,000	Generated	2015-06-01	5.9 months	N/A	PKR 4,140.14	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 30,000	Generated	2015-06-01	5.9 months	N/A	PKR 4,968.16	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 40,000	Generated	2015-06-01	5.9 months	N/A	PKR 6,624.22	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 50,000	Generated	2015-06-01	5.9 months	N/A	PKR 8,280.27	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF
PKR 65,000	Generated	2015-06-01	5.9 months	N/A	PKR 10,764.36	32.3%	24.0%	6.2%	2.1%	0.0%	0.0%	74	-	PDF

Seasonal Loan 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

Seasonal Loan samples

Seasonal Loan Price Graphs

Total Borrowers of Samples

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