- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	158
AJDFI	13,100	884,000	6	158
ARDCI	44,600	9,403,000	1	158
ASA Philippines	333,400	29,282,000	1	158
ASHI	35,400	5,231,000	6	158
ASKI	60,000	15,247,000	4	158
Bangko Kabayan	8,900	2,373,000	2	158
BSEI	600	73,000	2	158
CBI	8,100	2,010,000	5	158
CCT	70,300	9,504,000	4	158
CEV	35,400	5,111,000	4	158
DSPI	59,300	3,676,000	3	158
ECLOF	5,400	1,836,000	4	158
FCB	12,000	2,392,000	2	158
FMB	2,700	710,000	2	158
GM Bank	23,500	1,553,000	3	158
HSPFI	19,100	1,899,000	2	158
JVOFI	1,300	281,000	1	158
Katipunan Bank	42,100	5,325,000	2	158
KDCI	20,500	2,095,000	3	158
KGI	32,300	3,421,000	4	158
KMBI	245,000	15,098,000	1	158
LTMPC	37,400	8,935,000	3	158
Mallig Plains	6,500	641,000	2	158
MILAMDEC	29,800	3,278,000	2	158
MWIMPC	11,800	1,740,000	4	157
NWTF	105,500	12,698,000	5	158
OFMPC	4,400	964,000	1	158
PBC	50,700	10,434,000	4	158
PCSD	700	167,000	1	158
PMPC	23,500	5,565,000	8	158
RB Angeles	900	1,502,000	2	158
RB Labason	500	289,000	1	158
RBLI	5,200	1,026,000	2	158
RBMI	11,900	1,750,000	2	158
RMB	100	173,000	1	158
RSPI	39,600	2,834,000	4	158
SAFRAGEMC	1,100	229,000	1	158
Salve	10,900	1,191,000	3	158
SEDP	27,000	3,914,000	3	158
TSKI	212,900	25,187,000	2	158
TSPI	264,500	31,290,000	7	158
Valient	1,700	672,000	2	158

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

Waseela Microfinance Bank 3-A/2, Kaghan Road, F-8 Markaz, IslamabadIslamabad, Capital Territory44000

Data approved: 2015-06-04

Data version: 1

Age of data: 113 months

Download Data

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Product

Waseela Fori Cash Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 309,986,036
Portfolio (USD)	USD 3,044,062.87
Active Clients with Loans	4,713
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

This is a financial facility offered to individuals engaged in Agricuture / livestock / trading / manufacturing activities.

Loan Purpose

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

Included Services

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

Eligibility

Men	x
Women	x
Must run a business	x
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	4
# Regions for this product	4
Regions Active	Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 25,000
Maximum loan size	150,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	0
PKR 25,000-50,000	20%
PKR 50,000-75,000	50%
PKR 75,000-150,000	30%
Greater than PKR 150,000	30%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	DK

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	10%
Between 7 and 9 months	50%
Between 10 and 12 months	40%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	27.00%
Highest quoted nominal interest	30.00%
Reason(s) why interest rate varies	Time as Client
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	Loan Processing Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	1,000
Fixed amount - max	1,000
Reason for variation	N/A
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 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?	Yes
Percentage of fees	16%
All or some fees taxed	All

Full Pricing Data

Waseela Fori Cash 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 25,000	Generated	2015-07-01	5.9 months	N/A	PKR 4,719.32	36.6%	27.0%	8.3%	0.0%	1.3%	0.0%	74	-	PDF
PKR 50,000	Generated	2015-07-01	8.9 months	N/A	PKR 12,211.51	30.2%	27.0%	2.7%	0.0%	0.5%	0.0%	89	-	PDF
PKR 55,000	Generated	2015-07-01	8.9 months	N/A	PKR 13,316.66	29.9%	27.0%	2.5%	0.0%	0.4%	0.0%	90	-	PDF
PKR 60,000	Generated	2015-07-01	8.9 months	N/A	PKR 14,421.81	29.6%	27.0%	2.3%	0.0%	0.3%	0.0%	91	-	PDF
PKR 65,000	Generated	2015-07-01	8.9 months	N/A	PKR 15,526.96	29.4%	27.0%	2.1%	0.0%	0.3%	0.0%	92	-	PDF
PKR 70,000	Generated	2015-07-01	11.8 months	N/A	PKR 22,507.51	28.7%	27.0%	1.5%	0.0%	0.2%	0.0%	94	-	PDF
PKR 80,000	Generated	2015-07-01	11.8 months	N/A	PKR 25,557.15	28.5%	27.0%	1.3%	0.0%	0.2%	0.0%	95	-	PDF
PKR 100,000	Generated	2015-07-01	11.8 months	N/A	PKR 31,656.44	28.2%	27.0%	1.0%	0.0%	0.2%	0.0%	96	-	PDF

Waseela Fori Cash 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

Waseela Fori Cash Loan samples

Waseela Fori Cash Loan Price Graphs

Total Borrowers of Samples

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