Business Initiative and Management Assistance Services (BIMAS) - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 136 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

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Institution

Punjab Rural Support Programme 33-Civic Centre, Mustafa TownLahore, Punjab

Data approved: 2013-09-05

Data version: 1

Age of data: 136 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	N/A
Year established	1997
Head of Institution	Patrick Gathondu
Regions active	0
# Branches	5

Total Portfolio (nat'l)	KES 217,413,552
Total Portfolio (USD)	USD 2,625,767.54
Active clients with loans	11,645
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations
Funders

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	http://www.prsp,org.pk
Year established	1997
Head of Institution	Allah Rakha Assi
Regions active	Punjab
# Branches	60

Total Portfolio (nat'l)	PKR 903,792,770
Total Portfolio (USD)	USD 9,222,375.20
Active clients with loans	72,789
Approximate % female clients	40% - 60%
Approximate % urban clients	0
Network affiliations	Pakistan Microfinance Network, RSPN, HRDN
Funders	Pakistan Poverty Alleviation Fund, Punjab Government, RSPN

Loan Products » Summary

Hitimu

256 Borrowers

USD 34,515.71 Portfolio

Imarika

242 Borrowers

USD 144,840.23 Portfolio

Mama Plus

700 Borrowers

USD 132,300.70 Portfolio

Mifugo

132 Borrowers

USD 47,793.73 Portfolio

Msingi

9,794 Borrowers

USD 2,025,178.84 Portfolio

Upesi

288 Borrowers

USD 15,867.10 Portfolio

Loan Products » Summary

Agriculture

10,667 Borrowers

USD 1,554,055.52 Portfolio

Enterprise

30,205 Borrowers

USD 3,196,102.20 Portfolio

Livestock

31,917 Borrowers

USD 4,464,027.75 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Hitimu Loan	KES 15,000 - 30,000	6 - 12	40% - 60%	40% - 60%	Business	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Business Training
Imarika Loan	KES 50,000 - 2,000,000	3 - 18	40% - 60%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training
Mama Plus Loan	KES 10,000 - 100,000	6 - 12	80% - 100%	40% - 60%	Business	Women, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training
Mifugo Loan	KES 50,000 - 80,000	9 - 12	40% - 60%	40% - 60%	Business, Agricultural loan	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training
Msingi Loan	KES 20,000 - 1,000,000	3 - 18	40% - 60%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training
Upesi Loan	KES 10,000 - 20,000	3 - 6	40% - 60%	40% - 60%	Business, Other	Women, Men, Have business	Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Loan	PKR 15,000 - 40,000	6 - 18	40% - 60%	0%	Agriculture	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Enterprise Loan	PKR 15,000 - 40,000	6 - 18	40% - 60%	0%	Business	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Livestock Loan	PKR 15,000 - 40,000	6 - 18	40% - 60%	0%	Other, Fattening/Breeding of Sheep, Goat, and other milk animals.	Women, Men	Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Hitimu Loan	17.0% annual, Flat	1 Fee	1 Ins	None	25.0% upfront 100.00 ongoing	0%	0%	N/A
Imarika Loan	17.0% annual, Flat	1 Fee	1 Ins	None	4,000.00 upfront 200.00 ongoing	0%	0%	N/A
Mama Plus Loan	8.0% annual, Flat	1 Fee	1 Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A
Mifugo Loan	17.0% annual, Flat	1 Fee	1 Ins	None	25.0% upfront 100.00 ongoing	0%	0%	N/A
Msingi Loan	17.0% annual, Flat	0 Fees	0 Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A
Upesi Loan	24.0% annual, Flat	1 Fee	0 Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	20.0% annual, Decl Bal	2 Fees	None	N/A	22.5% - 23.9%	22.5% - 23.9%	N/A
Enterprise Loan	20.0% annual, Decl Bal	2 Fees	None	N/A	23.7% - 24.7%	23.7% - 24.7%	N/A
Livestock Loan	20.0% annual, Decl Bal	2 Fees	None	N/A	21.8% - 23.7%	21.8% - 23.7%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Hitimu Loan	17.0% annual, Flat	1 Fee	1 Ins Ins	None	25.0% upfront 100.00 ongoing	0%	0%	N/A
Imarika Loan	17.0% annual, Flat	1 Fee	1 Ins Ins	None	4,000.00 upfront 200.00 ongoing	0%	0%	N/A
Mama Plus Loan	8.0% annual, Flat	1 Fee	1 Ins Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A
Mifugo Loan	17.0% annual, Flat	1 Fee	1 Ins Ins	None	25.0% upfront 100.00 ongoing	0%	0%	N/A
Msingi Loan	17.0% annual, Flat	0 Fees	0 Ins Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A
Upesi Loan	24.0% annual, Flat	1 Fee	0 Ins Ins	None	15.0% upfront 100.00 ongoing	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	20.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	22.5% - 23.9%	22.5% - 23.9%	N/A
Enterprise Loan	20.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	23.7% - 24.7%	23.7% - 24.7%	N/A
Livestock Loan	20.0% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	21.8% - 23.7%	21.8% - 23.7%	N/A

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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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

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Institution Price Graph

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