| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 172 |
| AMK | 288,200 | 63,784,000 | 16 | 144 |
| AMRET | 299,500 | 149,542,000 | 8 | 144 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 124 |
| Farmer Finance | 200 | 407,000 | 1 | 144 |
| First Finance | 500 | 5,819,000 | 1 | 144 |
| HKL | 73,400 | 93,842,000 | 3 | 144 |
| KREDIT | 61,800 | 59,319,000 | 9 | 144 |
| Maxima | 2,900 | 3,179,000 | 3 | 144 |
| PRASAC | 138,500 | 251,931,000 | 9 | 144 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 144 |
| SPN | 35,100 | 29,828,000 | 6 | 144 |
| TPC | 120,000 | 45,931,000 | 13 | 144 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 144 |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.tameerbank.com |
| Year established | 2005 |
| Head of Institution | Nadeem Hussain (CEO & President) |
| Regions active | Balochistan, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 115 (inclusive of Financial Centres & Community Centres) |
| Total Portfolio (nat'l) | PKR 6,960,000,000 |
| Total Portfolio (USD) | USD 71,020,408.16 |
| Active clients with loans | 160,336 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Micro Finance Network |
| Funders | CGAP, DFID |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tameer Sarmaya Qarza (TSQ) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 20% - 40% | Business, Agriculture, Other | Women, Men | Credit Ins | |||||||
| Karobar Loan | PKR 10,000 - 125,000 | 6 - 18 | 0% - 20% | 60% - 80% | Business | Women, Men, Have business | ||||||||
| Livestock Financing | PKR 50,000 - 400,000 | 6 - 24 | 0% | 100% | Business | Women, Men, Have business | ||||||||
| Group Loan | PKR 15,000 - 25,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men | ||||||||
| Motorbike Financing | PKR 25,000 - 79,200 | 12 - 24 | 0% | 100% | Business, Consumer | Men | Credit Ins | |||||||
| House Finance | PKR 20,000 - 450,000 | 24 - 60 | 0% | 100% | Housing, Consumer | Women, Men, Have home or land | Credit Ins | |||||||
| Salary Loan | PKR 10,000 - 150,000 | 12 - 18 | 0% - 20% | 100% | Consumer, Other | Women, Men, Salaried worker |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tameer Sarmaya Qarza (TSQ) | 27.0%-33.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.8% - 41.2% | 28% - 42.9% | N/A | ||||||||
| Karobar Loan | 21.0%-25.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 40.4% - 47.4% | 41% - 49% | N/A | ||||||||
| Livestock Financing | 23.0%-30.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 40.4% - 42.3% | 40.5% - 42.7% | N/A | ||||||||
| Group Loan | 21.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | 5.0%-10.0% upfront | 39.8% - 43.8% | 46.9% - 48.3% | N/A | ||||||||
| Motorbike Financing | 28.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 39.3% - 49.4% | 39.9% - 49.7% | N/A | ||||||||
| House Finance | 19.0%-20.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.3% - 42.8% | 32.4% - 43.6% | N/A | ||||||||
| Salary Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 33.3% - 42.7% | 33.4% - 44.2% | N/A |
| Key Statistics | |
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| # 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
