| Outstanding portfolio (TZS) | TZS 800,000,000 |
| Portfolio (USD) | USD 503,144.65 |
| Active Clients with Loans | 340 |
| Approximate % Female Clients | |
| Approximate % Urban Clients |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| 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) |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.mojaz.org |
| Year established | 2008 |
| Head of Institution | Gulshan Kaur |
| Regions active | Punjab |
| # Branches | 4 |
| Total Portfolio (nat'l) | PKR 64,373,019 |
| Total Portfolio (USD) | USD 656,867.54 |
| Active clients with loans | 4,002 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Center for Philanthropy, Human Resource Development Network |
| Funders | Pakistan Poverty Alleviation Fund, Orix Leasing, Orangi Charitable Trust |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Agriculture, Consumer, Livestock, Commerce | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Seasonal Loan | PKR 5,000 - 75,000 | 3 - 6 | 40% - 60% | 0% | Agriculture, Livestock | Women, Men, Must be involved in agriculture activity | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39% - 39.5% | 41% - 41.6% | N/A | ||||||||
| Seasonal Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 22.6% - 23.2% | 24.6% - 25.4% | N/A |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
