2. BIMAS
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. OLP
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Business Initiative and Management Assistance Services (BIMAS) 2299 EmbuKenya60100
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 
Choose version

Institution

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi
Data approved: 2015-05-11
Data version: 2
Age of data: 118 months
Choose version

Product

Hitimu Loan Product 1 of 7 « Prev | Next »

Product

NGO Linkages Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers256
Loan Amount (range)KES 15,000 - 30,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Business Training
Annual Interest & Method17.0% annual, Flat
Fees100.00 upfront
Insurance2.50% upfront
TaxNone
Comp Dep25.0% upfront 100.00 ongoing
Range of pricing 
Interest Price Component
Fee Component
Insurance Component
Tax Component Range
Full APR (int fee ins tax dep)0
Transparency Index (min/max)
Transparency Index (average)N/A

Product Summary

1,965
PKR 10,000 - 50,000
12
12.0% annual, Flat
None
None
None
N/A
 
21.3% - 36.0%
0 - 4.1%
0 - 1.6%
0
21.3%
48 - 56
56

Product Details

Key Statistics
Outstanding portfolio (KES)KES 2,857,901
Portfolio (USD)USD 34,515.71
Active Clients with Loans256
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
For payment of school fees
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 27,901,546
Portfolio (USD)USD 273,993.18
Active Clients with Loans1,965
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
ORIX provide the funding to NGOs for building their capacities through enhancement of credit outreach. This program would help NGOs in fastest achieving of microfinance goals and making their programs operationally sustainable.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
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 institution2
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 15,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Grace Period
Grace period usage30%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest17.00%
Highest quoted nominal interest17.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionPassbook Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Application and Insurance
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0.33%
Maximum interest rate paid0.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Savings requirement at all levels is 25%

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest12.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Hitimu Loan samples
No sample data for this product

Full Pricing Data

NGO Linkages samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 10,000 Generated 2015-05-01 12.0 months N/A PKR 1,196.71 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 15,000 Generated 2015-05-01 12.0 months N/A PKR 1,795.07 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 18,000 Generated 2015-05-01 12.0 months N/A PKR 2,154.08 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 20,000 Generated 2015-05-01 12.0 months N/A PKR 2,393.42 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 22,000 Generated 2015-05-01 12.0 months N/A PKR 2,632.77 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 25,000 Generated 2015-05-01 12.0 months N/A PKR 2,991.78 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 35,000 Generated 2015-05-01 12.0 months N/A PKR 4,188.49 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
PKR 45,000 Generated 2015-05-01 12.0 months N/A PKR 5,385.21 21.3% 21.3% 0.0% 0.0% 0.0% 0.0% 56 - PDF
Hitimu Loan Price Graphs
No sample data for this product
NGO Linkages Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeOLPInstitutionPK-017-V02-P03ProductPKCountry2015YearRange Number2Institution Data Version010,00020,00030,00040,000Loan Size (all)0%5%10%15%20%Full APR (int fee ins tax dep)> 1,10080050020030Number of Borrowers
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞