| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.microafricagroup.com/ |
| Year established | 2004 |
| Head of Institution | Bernard Kivava |
| Regions active | Muhanga, Musanze, Nyarugenge |
| # Branches | 4 |
| Total Portfolio (nat'l) | RWF 2,223,220,010 |
| Total Portfolio (USD) | USD 3,473,781.27 |
| Active clients with loans | 4,960 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMIR |
| Funders | Micro Africa Ltd, Ezra Bunyenyezi |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Punjab |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 51,356,249 |
| Total Portfolio (USD) | USD 524,043.36 |
| Active clients with loans | 2,516 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | RWF 30,000 - 1,000,000 | 6 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Salary Loan | RWF 100,000 - 5,000,000 | 6 - 12 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins | |||||||
| SME Loan | RWF 1,000,000 - 15,000,000 | 6 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PKR 10,000 - 75,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Women, Men, Have business, Specific age group | Group Mtgs, Other Training | |||||||
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.00% upfront | 59% - 62.4% | 72.5% - 78.4% | 63 | ||||||||
| Salary Loan | 48.00%-60.00% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 52.7% - 67.3% | 55.3% - 71.4% | 75 | ||||||||
| SME Loan | 48.00%-60.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 0.00%-20.00% upfront | 56.2% - 66.3% | 88.3% - 101.3% | 49 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 59% - 62.4% | 72.5% - 78.4% | 63 | ||||||||
| Salary Loan | 48.00%-60.00% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 52.7% - 67.3% | 55.3% - 71.4% | 75 | ||||||||
| SME Loan | 48.00%-60.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 0.00%-20.00% upfront | 56.2% - 66.3% | 88.3% - 101.3% | 49 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
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| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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